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Loan Number
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Seller Loan Number
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Originator
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Last Name
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Note Date
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Original Balance
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State
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TPR QM ATR Status
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Loan Status
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Exception Date
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Remediation Status
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Exception ID
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Exception Type
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Exception Category
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Exceptions
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Exception Rebuttal
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Exception Rebuttal Date
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Exception Rebuttal Response
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Exception Rebuttal Response Date
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Compensating Factors
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Initial Overall Loan Grade
|
Final Overall Loan Grade
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Initial Exception Grade
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Final Exception Grade
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Initial Credit Grade
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Final Credit Grade
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Initial Property Valuation Grade
|
Final Property Valuation Grade
|
Initial Compliance Grade
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Final Compliance Grade
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Initial Overall Grade (DBRS/Morningstar)
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Initial Credit Grade (DBRS/Morningstar)
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Initial Property Valuation Grade (DBRS/Morningstar)
|
Initial Compliance Grade (DBRS/Morningstar)
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Initial Overall Grade (Fitch)
|
Initial Credit Grade (Fitch)
|
Initial Property Valuation Grade (Fitch)
|
Initial Compliance Grade (Fitch)
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Initial Overall Grade (Kroll)
|
Initial Credit Grade (Kroll)
|
Initial Property Valuation Grade (Kroll)
|
Initial Compliance Grade (Kroll)
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Initial Overall Grade (Moodys)
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Initial Credit Grade (Moodys)
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Initial Property Valuation Grade (Moodys)
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Initial Compliance Grade (Moodys)
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Initial Overall Grade (S&P)
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Initial Credit Grade (S&P)
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Initial Property Valuation Grade (S&P)
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Initial Compliance Grade (S&P)
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Final Overall Grade (DBRS/Morningstar)
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Final Credit Grade (DBRS/Morningstar)
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Final Property Grade (DBRS/Morningstar)
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Final Compliance Grade (DBRS/Morningstar)
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Final Overall Grade (Fitch)
|
Final Credit Grade (Fitch)
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Final Property Grade (Fitch)
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Final Compliance Grade (Fitch)
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Final Overall Grade (Kroll)
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Final Credit Grade (Kroll)
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Final Property Grade (Kroll)
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Final Compliance Grade (Kroll)
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Final Overall Grade (Moodys)
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Final Credit Grade (Moodys)
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Final Property Grade (Moodys)
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Final Compliance Grade (Moodys)
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Final Overall Grade (S&P)
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Final Credit Grade (S&P)
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Final Property Grade (S&P)
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Final Compliance Grade (S&P)
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400000207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2025
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% XXX DTI exception. Maximum DTI is XXX%. This loan is XXX it is due to omission of supplemental taxes, per title
report, which have to be included.. FYI Letter in file regarding B2 XXX is going to full time in XXX. Perhaps you can confirm and get paystubs to cover the DTI issue. Additional conditions may apply XXX XXX DU approval requires a rerun of
DU-under Risk Eligibility #XXX stating missing minimum payments to accurately calculate DTI. Additional conditions may apply.
|
Additional income has been utilized. Revised 1003/XXX and AUS uploaded.; Can you please provide your full DTI calculation?; Please see employer email
regarding borrowers employment and XXX XXX paystubs.
|
08/08/2025
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audit reviewed Lender's response, re-calculated base income for Borrower XXX and base and tip
income for Borrower 1 and has determined the additional income calculated by Lender is supported. Audit total debt XXX / XXX audit re-calculated income = XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved
DTI of XXX%. Condition cleared.; Lender provided updated AUS, 1008 and 1003. Audit DTI remains as XXX% which exceeds client maximum of XXX%. Condition retained.; Lender provided a LOE and pay stubs dated post closing, which cannot be used for
qualification on the subject transaction. Audit did find additional Tip income for Borrower 2 of XXX per month, which was not included in the original review. Audit re-calculated DTI is XXX% which exceeds client overlay maximum DTI of XXX%.
Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX%
|
01/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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C
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2025
|
Resolved
|
FCOM1268
|
Compliance
|
ARM Disclosure is Missing
|
ARM Disclosure is Missing. Documentation required to clear exception: Missing ARM disclsoure within XXX days of application date XX/XX/XXXX.
|
ARM Disclosure
|
07/24/2025
|
Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable
|
08/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
07/24/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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C
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCRE0382
|
Credit
|
Assets do not meet guideline requirements
|
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing proof of Final CD or other
document to confirm sale of property at XXX, confirmation of proceeds of XXX and confirmation that both XXX loans were paid off. Only one shows paid off on the Credit supplement in file. there is a letter explaining an issue with a fraudulent
mechanics lien against the property that has to be resolved before disbursing funds. Funds are needed for both closing and reserves. Assets verified in the file don't meet short to close and short reserve requirements.
|
ALTA
|
10/22/2025
|
Lender provided final settlement Statement for sale of property XXX reflecting proceeds of $XXX. Condition cleared.; Funds are found to meet guidelines.
|
10/23/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
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A
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C
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A
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A
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A
|
B
|
A
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C
|
C
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A
|
B
|
C
|
C
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A
|
B
|
C
|
C
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A
|
B
|
C
|
C
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A
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B
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C
|
C
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A
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B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX.
|
see page XXX
|
10/08/2025
|
Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided.; Material Finding; Material Finding
|
10/14/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
C
|
A
|
A
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A
|
B
|
A
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C
|
C
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A
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B
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C
|
C
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A
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B
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C
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C
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A
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B
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C
|
C
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A
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B
|
C
|
C
|
A
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B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with a minimum of XXX in coverage.
|
title
|
10/08/2025
|
Condition cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien
$XXX; Material Finding; Material Finding
|
10/14/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
C
|
A
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A
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A
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B
|
A
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C
|
C
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A
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B
|
C
|
C
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A
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B
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C
|
C
|
A
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B
|
C
|
C
|
A
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B
|
C
|
C
|
A
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B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/01/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
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B
|
C
|
C
|
A
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B
|
C
|
C
|
A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
09/30/2025
|
Rescinded
|
finding-47
|
Compliance
|
TILA Right of Rescission Test
|
This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR
§1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation,
delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to cancel was signed by the borrower on XX/XX/XXXX however the expiration of the right to cancel is blank.
Disbursement occurred on XX/XX/XXXX, per Final CD Therefore, borrower did not receive XXX days to cancel. In order to cure rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required or provide proof of date of
disbursement. In addition, provide copy of completed RTC, signed by borrowers.
|
This is a Construction to XXX REFI and there is no recission
|
10/06/2025
|
Audit reviewed Lender's response and has determined the subject transaction is a construction to permanent loan, which is not subject to RTC. Condition
rescinded.
|
10/08/2025
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
400000205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/01/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.69% is less than
Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.69% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/02/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. XXX) For the XXX of XXX: Please provide an executed copy of the final closing Statement reflecting the payoff
of XXX HELOC in the amount of XXX and net cash out proceeds $XXX. Also, please provide HELOC closeout and future draws letter. XXX) New financing: Please provide a copy of Note in the amount of XXX and a payment XXX per month. Additional
conditions may apply.
|
evidence that the HELOC was satisfied and recorded… his means the account is gone; CD, Note, Payoff; REO
|
10/23/2025
|
Lender provided verification of satisfaction an release of HELOC. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided
copy of Note verifying PI, final CD for property XXX verifying PITIA and payoff of the XXX HELOC with proceeds of $XXX; however, did not provide verification of HELOC closure to future draws. Condition retained.; Borrower 1 Credit Report is
Partially Present. XXX) For the XXX of XXX: Please provide an executed copy of the final closing Statement reflecting the payoff of XXX HELOC in the amount XXX and net cash out proceeds $XXX. Also, please provide HELOC closeout and future
draws letter. XXX) New financing: Please provide a copy of Note in the amount XXX and a payment XXX per month. Additional conditions may apply.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 34.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 34.45% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/02/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions
may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
10/07/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 34.45% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 34.45% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee on revised LE XX/XX/XXXX. COC in file States appraisal fee update to match invoice which is not a valid reason for the increase and is dated
XX/XX/XXXX which is not within XXX days of the increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or
more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided
disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
check, PCCD LOE Fedex
|
10/24/2025
|
Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.
|
10/29/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline
LTV of 80%
|
D
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
FCOM1268
|
Compliance
|
ARM Disclosure is Missing
|
ARM Disclosure is Missing. Please provide ARM Disclosure within XXX days of application date XX/XX/XXXX.
|
adjustable rate
|
10/13/2025
|
Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline
LTV of 80%
|
D
|
B
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline
LTV of 80%
|
D
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CDA shows a XXX Score. Please provide a XXX drive by appraisal. Additional
conditions may apply.
|
FIELD REVIEW
|
10/15/2025
|
Lender provided Appraisal Field Review Report supporting appraisal value. Condition cleared.; Third party valuation product provided within tolerance.
|
02/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The
declaration page has total coverage of XXX and the loan amount is XXX Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply.
|
RCE LOX with agent endorsement and email ; RCE
|
10/27/2025
|
Lender provided email correspondence from XXX and endorsement XXX documentation, that reflects the endorsement includes XXX% increased coverage of dwelling
A. The insurance includes endorsement XXX The total insurance coverage is XXX x XXX% = XXX total coverage, which is sufficient to cover the replacement cost value of $XXX. Condition cleared.; Finding remains. Please submit correspondence from
hazard insurer verifying sufficient coverage for the property. Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. The hazard insurance coverage of XXX is not sufficient to cover the replacement cost
estimate of $XXX. Condition retained.; Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. The hazard insurance coverage of XXX is not sufficient to cover the replacement cost estimate of $XXX. Condition
retained.; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
|
10/29/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. XXX) File is missing a signed and dated closure letter, showing HELOC is closed to future draws. XXX) Summer
Rental/Lease in the amount of XXX and a balance of XXX listed on the Final 1003. Please provide the terms and conditions. Additional conditions may apply.
|
HELOC LTR ; LEASE AGREEMENT LOX ; lease lox
|
10/23/2025
|
Lender provided verification of HELOC closure letter. Condition cleared.; Borrower 1 Credit Report is not partially present.; The finding remains, please
provide documentation to verify the HELOC has been closed and no further draws are allowed.; Lender provided LOE for rental debt of XXX per month which is temporary rent in the summer when Borrower rents out their primary residence and in the
summer. Lender was most conservative and added the debt into the total debt obligations. Please provide documentation to verify the HELOC has been closed and no further draws are allowed. Condition retained.
|
10/24/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from $xx x to XXX
Settlement fees. The loan failed the initial LE delivery date test therefore, baseline starts at XXX and does not reset. The violation can be cure by showing evidence the borrower received the initial LE within XXX business days of the
application date, XX/XX/XXXX.
|
SERVICE PROVIDER LIST ; INTIIAL LE XX/XX/XXXX
|
10/15/2025
|
Lender provided initial WLSP. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; This loan failed the charges that
cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is
$XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Lender provided the initial LE; however, did not provide the initial WLSP to verify if Borrower shopped for their own service
provider. Please provide valid COC for increase in the Lender's Title Insurance Fee from XXX on initial XXX to XXX on the final CD and the added Title Closing Protection Fee from XXX on the initial XXX to XXX on the final CD. The fees were
included in the zero tolerance category due to the initial WLSP not provided. Condition retained.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith
determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under
§1026.19(e)(1)(i).; Escalated to compliance.
|
10/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
finding-3837
|
Compliance
|
Initial Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(B) he initial
loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after
consummation of the transaction herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset
the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(XXX)(i)
(provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Showing evidence that the borrower received the initial LE XXX business days prior to consummation, XX/XX/XXXX, may cure the
violation.
|
INTIAL LE XX/XX/XXXX
|
10/10/2025
|
Lender provided initial XXX. Condition cleared.; Lender provided initial XXX. Condition cleared.; Escalated to compliance.
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD.
|
updated CD
|
10/14/2025
|
Lender provided PCCD reflecting correction on page XXX for will not allow assumption. Condition cleared.
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the mortgage recording fee. The loan failed the
initial LE delivery date test therefore, baseline starts at XXX and does not reset. The violation can be cure by showing evidence the borrower received the initial LE within XXX business days of the application date, XX/XX/XXXX.
|
INITIAL LE XX/XX/XXXX
|
10/10/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined the XXX% fees are within tolerance. Condition cleared.; Lender provided initial XXX.
Audit re-ran compliance and has determined the XXX% fees are within tolerance. Condition cleared.; Escalated to compliance.
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/07/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Showing evidence that the initial LE was received by the borrower within XXX business days of
application, XX/XX/XXXX, may cure the violation.
|
INITIAL LE XX/XX/XXXX
|
10/10/2025
|
Lender provided initial XXX. Condition cleared.; Lender provided initial XXX. Condition cleared.; Escalated to compliance.
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
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C
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A
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D
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A
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C
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A
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C
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A
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE1334
|
Credit
|
Borrower 1 Executed 4506-T Missing
|
Borrower 1 Executed 4506-T Missing File is missing a signed XXX for the business XXX.
|
4506C BUSINESS
|
10/13/2025
|
Lender provided XXX-C for XXX. Condition cleared.; Borrower 1 Executed XXX-T Provided
|
10/14/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
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D
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A
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D
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A
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C
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A
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C
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A
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D
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D
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C
|
C
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D
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D
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C
|
C
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D
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D
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C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of
75%
|
D
|
A
|
C
|
A
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D
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A
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C
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A
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C
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A
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D
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D
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C
|
C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required. Refund in the amount
of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fees additions/increases: -The Lender's Title
Insurance (payable to the Lender's Service Provider) increased from XXX to XXX on the revised LE, dated XX/XX/XXXX. -A Closing Protection Letter (payable to the Lender's Service Provider) of XXX was added on the initial CD, dated XX/XX/XXXX.
The file does not contain a valid COC for the additions/increases of these fees.
|
refund check ; LOX/PCCD/Shipping pending refund check $XXX; Clerical LOX/PCCD balanced to final settlement Statement
|
11/03/2025
|
Cured post close. This will remain a non material B grade. Received lender cure for overage of fees. ; Lender provided LOE, PCCD and proof of delivery;
however, did not provide copy of refund check. Condition retained.; Lender provided LOE and PCCD for clerical error for title fees and recording fee reflected in section B. The Title - Lender's Title Insurance fee changed from section C to
section B, a Title - Closing Protection Letter fee of XXX was added to section B and recording fees changed to $XXX. The initial XXX XXX% tolerance fees for Title - Lender's Title Insurance fee of XXX and recording fee of XXX = XXX x XXX% for
total XXX% tolerance fees of $XXX. The final Title fees on the PCCD are XXX which included the Title - Lender's Title Insurance fee of XXX the added Title - Closing Protection letter fee of XXX and recording fee of $XXX. The final XXX%
tolerance fees of XXX exceed the XXX% disclosed tolerance fees of XXX by $XXX. Please provide LOE, PCCD, copy of refund check and proof of delivery or provide valid COC for increase in Title - Closing Protection Letter fee from XXX on initial
XXX to XXX on PCCD. Condition retained.; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the
charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges
That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party
services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the
creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
11/05/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
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A
|
C
|
D
|
D
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A
|
C
|
D
|
D
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A
|
C
|
D
|
D
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A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided The AUS gave an approve/ineligible recommendation, due to a valid XXX ARM plan has not been provided to DU. A resubmission is
required.
|
DU; AUS
|
11/03/2025
|
Condition cleared as we have received updated AUS with ARM plan. ; AUS is not incomplete; Lender provided updated AUS; however, the AUS reflects a valid XXX
Arm plan has not been provided to DU. Please provide updated AUS reflecting valid ARM information. Condition retained.
|
11/05/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/08/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/10/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for Lender Title insurance and from XXX to XXX for Title
Endorsement Fee. Initial increase was on CD dated XX/XX/XXXX and there is a COC in file dated XX/XX/XXXX however on States changes to settlement charges and does not provide a reason for the increases. The title endorsement fee was additional
increase on the final CD XX/XX/XXXX without a COC.
|
XX/XX/XXXX COC ; Corrected PCCD with FSS; Rebut for adding Title Policy Adjustment and retest
|
10/21/2025
|
Lender provided valid COC for increase in title fees, a PCCD and final settlement Statement reflecting correction of fees. The valid COC was due to title
company outsourcing the Lender's Title Insurance and Title Endorsements to another title company which increased the XXX fees. Condition cleared.; Audit reviewed Lender's response; however, the rebuttal indicating a change in title company is
not supported to validate the COC for increase in title fees. Please provide title invoice or other documentation to support the COC for increase in title fees. Condition retained.; Finding remains as we have received a PCCD with changes made
to the title fees in question. We have not received the complete cure package consisting of copy of cure check, evidence of mailing to the borrower, LOX and PCCD with cure reflected on page XXX Or please supply the missing valid COC for the
fee increases. Lowering the fee on a PCCD alone will not cure the issue. ; Audit reviewed Lender's response and has determined an adjustment on page XXX of the CD cannot be included in testing. Page XXX of the CD does not reflect a Lender
credit for the increase in fees. Please provide a valid COC or sufficient cure of increase in XXX to XXX for Lender Title insurance and from XXX to XXX for Title Endorsement Fee. Condition retained.
|
12/10/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/10/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consented to electronic delivery on or
before XX/XX/XXXX.
|
E consent
|
10/13/2025
|
Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; The eSigned consent disclosure is missing.
Documentation Required - Provide documentation confirming borrower's consented to electronic delivery on or before XX/XX/XXXX.
|
10/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/09/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions
may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
10/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/09/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions
may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
10/13/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 39.53% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 39.53% is less than Guideline CLTV of 75% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000204
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/13/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/21/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000182
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/21/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.68% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.68% is less than Guideline LTV of 80%
|
C
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A
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C
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A
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C
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A
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A
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C
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A
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C
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000196
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/15/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
see report
|
10/25/2025
|
HMDA review completed, no Level XXX findings noted, condition cleared.; Lender provided the XXX report. The HMDA review will be completed by DD firm.
Condition retained.
|
10/27/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/16/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/16/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Please provide corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD.
|
PC CD
|
10/17/2025
|
; Condition cleared as we have received the updated CD.
|
10/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/16/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided A valid XXX ARM plan has not been provided to DU Item # XXX on AUS. A resubmission is required.
|
AUS
|
10/17/2025
|
Condition cleared as we have received the updated AUS from the lender. ; AUS is not incomplete
|
10/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
D
|
A
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D
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A
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A
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A
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C
|
A
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D
|
D
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A
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C
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D
|
D
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A
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C
|
D
|
D
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A
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C
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D
|
D
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A
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C
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D
|
D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required: provide documentation to show the borrower received the initial LE at
least XXX business days after application date
|
ILE
|
10/16/2025
|
Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have
received the missing Initial XXX from the lender within XXX days of the application date.
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Please provide the missing initial LE dated within XXX days of the application date XX/XX/XXXX.
|
ILE
|
10/16/2025
|
Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have
received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have
received the missing Initial XXX from the lender within XXX days of the application date.
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please provide the missing initial LE and
Written List of Service Providers within XXX days of the application date for compliance testing.
|
ILE and SSPL
|
10/16/2025
|
Condition cleared as we have received the missing Initial XXX and SSPL from the lender within XXX days of the application date.
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/16/2025
|
Resolved
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete Missing XXX Contract Addendum reflecting the new XXX price of XXX Per XXX contract, the sales price is XXX
|
Purchase Contract XXX
|
10/16/2025
|
Condition cleared as we have received the contract addendum with correct purchase price. ; Purchase Contract Doc is complete.
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/16/2025
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of
XXX is insufficient, not meeting the required coverage amount of XXX
|
The policy has specified additional amount of insurance for coverage A listed in Additional Coverages
|
10/16/2025
|
Condition cleared as we have received evidence of hazard coverage. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/14/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Missing proof Arm disclosure sent within XXX days of
Application date XX/XX/XXXX
|
NOLC change from FIX to ARM on XX/XX/XXXX
|
10/16/2025
|
Condition cleared as we have received evidence of ARM disclosure within XXX days fo change to ARM loan. ; ARM Disclosure Provided Within XXX Days of
Application Date or Not ApplicabXXX.
|
10/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000187
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
Attached
|
10/30/2025
|
Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien
$XXX; Material Finding
|
11/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.17% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000187
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.17% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.17% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided A valid XXX ARM plan has not been provided to DU. A resubmission is required.
|
AUS
|
10/29/2025
|
Lender provided updated AUS reflecting ARM information. Condition cleared.; AUS is not incomplete
|
10/31/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Per AUS, XXX #XXX was excluded from the DTI, due to paid by the business. Per auto lease, the first payment
is due on XX/XX/XXXX, however XXX payment was not verified in business bank Statement. Please provide evidence that the business paid XXX XXX payment. Note: XXX XXX to XXX XXX payments were verified from business account #XXX.
|
LOX
|
10/27/2025
|
Condition cleared as we have received evidence of business making the first payment for lease. ; Borrower 1 Credit Report is not partially present.
|
10/29/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent
dated XX/XX/XXXX or before.
|
econsent
|
10/27/2025
|
Condition resolved as we have received the missing E-Consent. ; Evidence of eConsent is provided.; Material Finding
|
10/29/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Rescinded
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of
XXX is insufficient, not meeting the required coverage amount of XXX
|
Please see page XXX of the original file. That's the email from the insurance confirming the XXX% replacement
|
10/27/2025
|
Condition rescinded as verification of hazard coverage was located in loan fiXXX. ; The Total Hazard Coverage is greater than or equal to the Required
Coverage Amount
|
10/29/2025
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
400000185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Client overlay: Please provide Corrected CD with the box selected for “Will not allow assumption of this loan on the original terms.” On Page XXX of CD.
|
Lender provided PCCD reflecting corrected information on page XXX for will not allow assumption. Condition cleared.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/17/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000192
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/21/2025
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing The signed Final 1003 for the borrower and co borrower are missing from the file.
|
URLA; Page XXX is the start of the urla
|
10/30/2025
|
Lender provided Final 1003. Condition cleared.; The Final 1003 is Present; Audit reviewed Lender's response and has determined the 1003 in file is the
initial 1003. Please provide the Final 1003. Condition retained.
|
01/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 59.47% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
59.47% is less than Guideline CLTV of 80%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000192
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/21/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 59.47% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
59.47% is less than Guideline CLTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000197
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender to document bonus income of XXX per month. Multiple paystubs are in file including year end paystubs for
XXX and XXX along with Lender worksheet but none of the documents in file are clear about a bonus. Latest paystub shows employee recognition YTD of XXX Please note ratios would still be within guidelines if that income was removed and LP was
rerun but would exceed the allowable variances of XXX% Additional conditions may apply.
|
please see attached the bonus income has been removed
|
12/15/2025
|
Condition cleared as we have received updated AUS removing Bonus income. ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet
Guidelines
|
12/17/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FPRO1137
|
Property
|
The appraiser was not licensed (Primary Value)
|
Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Lender to provide proof of license.
Government sites show XX/XX/XXXX as the beginning date. Fraud report also reports an issue.
|
please cancel condition, the previous and current copies of the aprsr license are on paged XXX & XXX of the initial file upload.
|
10/27/2025
|
Audit reviewed Lender's response. Audit search on the XXX State Website reflects appraiser's license was first effective on XX/XX/XXXX and expires on
XX/XX/XXXX. Condition cleared.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided
|
10/29/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/28/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete On the Final 1003, the borrower has XXX other properties listed. All are marked as his primary residence. The subject
transactions is a XXX Cash out on his primary. Please provide an LOE or corrected 1003. Additional conditions may apply.
|
Corrected Final 1003 - REOs updated
|
10/23/2025
|
Lender provided corrected 1003. Condition cleared.; The Final 1003 is Present
|
10/27/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%
|
D
|
A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. File is missing evidence of XXX taxes have been paid in the amount of $XXX. Additional conditions may apply.
|
XXX Taxes Paid - XX/XX/XXXX
|
10/23/2025
|
Lender provided Borrower's bank Statement verifying tax payment of $XXX. Condition cleared.; Borrower 1 Credit Report is not partially present.
|
10/24/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
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A
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A
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C
|
A
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D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/20/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX).
|
ARM Disclosure - XX/XX/XXXX
|
10/23/2025
|
Lender provided ARM disclosure dated within XXX days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application
Date or Not ApplicabXXX.
|
10/24/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender to provide XXX Extension forms XXX(personal returns) and XXX for 1120S (business returns.)
|
extension
|
10/24/2025
|
Lender provided documentation, web search verifying the XXX granted an automatic extension to XXX XXX for individuals and businesses in XXX. The Borrower's
are in XXX; therefore, are granted an automatic extension by the XXX. Condition cleared.; Income and Employment Meet Guidelines
|
01/26/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.82% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/21/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of Appraisal Review Fee on
the final CD XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package.
|
cure docs
|
10/30/2025
|
; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.
|
11/06/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.82% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.82% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements Current mortgage history for the subject property is only rated for XXX mo. Title shows recorded
mortgage XX/XX/XXXX. Mortgage Statement shows due for XX/XX/XXXX. This loan closed XX/XX/XXXX. Lender to provide credit supplement to confirm all monthly payments were paid as agreed including XX/XX/XXXX payment.
|
XX/XX/XXXX payment
|
10/24/2025
|
Lender provided payoff Statement dated XX/XX/XXXX reflecting payment due date of XX/XX/XXXX, verifying the XX/XX/XXXX was paid on time. Condition cleared.;
Housing History Meets Guideline Requirements
|
10/27/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.82% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Lender to provide credit supplement or other documentation to show XXX Auto lease has been closed out. Final
1003 shows payment however it was excluded in the final analysis and a new auto lease is showing on the credit report but need documentation in the file to prove these are connected. Additional conditions may apply.
|
XXX letter in file, confirming lease vehicle returned and lease closed end of XXX XXX The XXX #XXX Statement in file also shows the final payment coming out
XX/XX/XXXX - last reported date on credit is XXX XXX
|
10/27/2025
|
Lender provided XXX Vehicle Return Invoice verifying the lease has been paid off and closed. Condition cleared.; Borrower 1 Credit Report is not partially
present.
|
10/29/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing Missing third party proof of business for B1 & XXX(same business) Verification in file has no date on
it.
|
New SOS printout provided, which includes the date and URL. Details of the SOS data match the original printout provided with the loan file.
|
10/27/2025
|
Lender provided business license search dated post closing, web search dated within XXX days prior to the Note date verifying Borrower 1 and Borrower 2
business. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided
|
10/29/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD.
|
PCCD - assumption selection corrected
|
10/27/2025
|
Lender provided PCCD correcting Loan Disclosures on page XXX to reflect Will not allow assumption. Condition cleared.
|
10/29/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/28/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000206
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/27/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.12% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.12% is less than Guideline LTV
of 80%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Rescinded
|
FCRE1364
|
Credit
|
Borrower 2 Executed 4506-T Missing
|
Borrower 2 Executed 4506-T Missing Missing 4506C for B2.
|
Rescinded as B2 has no income being used.; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX)
|
10/24/2025
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
400000191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/22/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to
signing initial disclosures that were issued on XX/XX/XXXX.
|
esign
|
11/03/2025
|
Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided.; Material
|
11/05/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 57.36% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.36% is less than Guideline CLTV of 75%
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
10/28/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 57.36% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.36% is less than Guideline CLTV of 75%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/27/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided.
|
11/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/27/2025
|
Resolved
|
FCRE7496
|
Credit
|
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
|
Lender to provide proof of free and clear, taxes, insurance and HOA(LOE States HOA and States stmt included but was not in file.) for the property at XXX.
Additional conditions may apply.
|
REO docs
|
11/03/2025
|
Condition cleared as we have received evidence of free and clear as well as the HOA dues.
|
11/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/27/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided.
|
11/05/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/23/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. The eSigned documents consent is missing. The XXX report in file shows status as pending.
|
Disclosure pkg audit report
|
10/29/2025
|
Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material
|
11/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/28/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.48% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 67.48% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000183
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/29/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA complete - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided.
|
11/05/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.81% is less than Guideline CLTV of 80% Calculated CLTV of 68.81% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.81% is less than Guideline LTV of 80% Calculated LTV of 68.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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A
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000183
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/29/2025
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements Per Final 1003 the property at XXX was sold and proceeds were used as assets, however Final
Settlement Statement or Seller CD is not in file to verify the net proceeds. Please provide an executed final settlement Statement or final seller CD. Note: Without the proceeds, the borrower would be short on cash to close and lender overlay
reserve requirement of XXX months. Also, EMD of XXX was not sourced in bank Statement.
|
REO Final SS; REO Final SS
|
11/04/2025
|
Lender provided final settlement Statement for sale of property XXX reflecting proceeds of XXX which matches the deposit reflected on the final settlement
Statement for the subject transaction. Condition cleared.; Asset Qualification Meets Guideline Requirements
|
11/05/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.81% is less than Guideline CLTV of 80% Calculated CLTV of 68.81% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.81% is less than Guideline LTV of 80% Calculated LTV of 68.81% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000176
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/30/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 69.7% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/30/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions
may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
11/07/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%
|
D
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A
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C
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/28/2025
|
Resolved
|
FCOM1268
|
Compliance
|
ARM Disclosure is Missing
|
ARM Disclosure is Missing. The defect can be cured by providing the ARM Disclosure dated within XXX business days of application XX/XX/XXXX
|
ARM Disclosure
|
11/04/2025
|
Condition cleared as we have received the ARM disclosure from the lender. ; ARM Disclosure is Present or Not Applicable; ARM Disclosure is Missing. The
defect can be cured by providing the ARM Disclosure dated within XXX business days of application XX/XX/XXXX
|
11/05/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%
|
D
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A
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D
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/30/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. XXX) 1003 shows child support payments. The file contains the decree for dissolution of marriage, however the
amount of child support is missing. XXX) Missing documentation for the monthly XXX payments in the amount of XXX and a balance of $XXX. Additional conditions may apply.
|
Proof of Child Support Payment and monthly XXX Payment
|
11/04/2025
|
Condition cleared as we have received evidence of the XXX payments and evidence of the Support payment requirement. ; Borrower 1 Credit Report is not
partially present.; Borrower 1 Credit Report is Partially Present. XXX) 1003 shows child support payments. The file contains the decree for dissolution of marriage, however the amount of child support is missing. XXX) Missing documentation
for the monthly XXX payments in the amount of XXX and a balance of $XXX. Additional conditions may apply.
|
11/05/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%
|
D
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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D
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A
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D
|
C
|
A
|
D
|
D
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C
|
A
|
D
|
D
|
C
|
A
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D
|
D
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C
|
A
|
D
|
D
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C
|
A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
|
|
400000165
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/31/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
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A
|
A
|
A
|
|||
|
400000179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/28/2025
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to final XXX% fees XXX (recording fee XXX and Tract fees $XXX) exceeding XXX% of
starting fees recording fee $XXX. XXX x XXX= XXX. XXX-XXX= XXX
|
attached
|
11/07/2025
|
Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund
check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and
proof of delivery. Cured post close, loan will be graded a B.
|
11/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/31/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/30/2025
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and
signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan
failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked
as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday
and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing
disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.
|
initial CD
|
11/04/2025
|
Condition cleared as we have received the missing Initial CD from lender. ; Condition cleared as we have received the missing initial CD from lender. ;
Condition cleared as we have received the missing Initial CD from lender. ; Condition cleared as we have received the missing initial CD from lender.
|
11/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing Missing required Final 1003. Additional conditions may apply.
|
urla
|
11/04/2025
|
Condition cleared as we have received the missing Final 1003. ; The Final 1003 is Present
|
11/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of closing as required.
|
voe
|
11/04/2025
|
Condition cleared as we have received the missing VOE. ; Borrower 1 3rd Party VOE Prior to Close Was Provided
|
11/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
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C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
10/30/2025
|
Acknowledged
|
finding-4033
|
Compliance
|
Qualified Mortgage Safe Harbor Threshold
|
This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify
for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability
requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section
igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points
for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction.
|
rebuttal upld; initial lock upld,, also please refer to final XXX provided in initial loan file..
|
11/10/2025
|
BAML authorized downgrade to B.; The interest rate was not bought down. The undiscounted rate is XXX% and final Note rate is XXX%. There are no Bona Fide
discount points and loan is considered Rebuttable Presumption. BAML to review. Condition retained.; Loan was approved as Rebuttable Presumption. BAML to review. Condition retained.; Please provide discount/par rate used for fee testing
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE7495
|
Credit
|
Verification of Borrower Liabilities Missing or Incomplete
|
Per XXX is the total of all monthly liabilities however upon audit review the total is short of XXX by $XXX. Please provide a list of total liabilities that
total XXX for review.
|
revised du upld - ltv 39.82%; revised du upld; revised XXX uploaded, totals match the aus provided in the initial loan file.
|
11/13/2025
|
Lender provided updated AUS approving DTI of XXX%. The AUS reflects the higher income that is reflected on the 1003 and XXX which is supported by income
documentation in fiXXX. Condition cleared.; The finding remains as the calculated DTI is XXX% and does not meet overlays of XXX% Max DTI. Audit reviewed Lender's response and has determined the AUS in file reflects a DTI of XXX%. Audit was
able to confirm debt obligations. Please provide updated AUS reflecting the correct income and DTI. If DTI remains as XXX% per the AUS #XXX in file, the DTI exceeds the client overlay maximum of XXX%. Condition retained.; Audit reviewed
Lender's response and has determined the AUS in file reflects a DTI of XXX%. Audit was able to confirm debt obligations. Please provide updated AUS reflecting the correct income and DTI. If DTI remains as XXX% per the AUS #XXX in file, the
DTI exceeds the client overlay maximum of XXX%. Condition retained.
|
11/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
B
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FCOM1225
|
Credit
|
Second Home Rider is Missing
|
Second Home Rider is Missing. Please provide 2nd Home Rider.
|
please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld.
|
11/04/2025
|
Invalid finding, subject property is a XXX and would not require a Second Home rider. The required XXX documentation is in the loan fiXXX. Condition
rescinded.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FCOM1224
|
Credit
|
XXX Rider is Missing
|
XXX Rider is Missing. Please provide XXX Rider.
|
please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld.
|
11/04/2025
|
Invalid finding, subject property is a Co-op, which does not require a XXX rider. Condition rescinded.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
10/30/2025
|
Rescinded
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing. Please provide Title Document.
|
please cancel cond, this is a XXX loan, the Certification & Report is on pages XXX-XXX of the initial file upld. Accepted None XXX ADMIN (XXX)
XX/XX/XXXX XX/XX/XXXX AM | Internal Comments XXX
|
11/04/2025
|
Title Document is fully Present Invalid finding. Subject property is a XXX and required documents for the Co-op, Loan Security Agreement, Stock Certificate
and, Proprietary Lease are in the loan fiXXX. Condition rescinded.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FCOM1220
|
Credit
|
The Deed of Trust is Missing
|
The Deed of Trust is Missing. Please provide The Deed of Trust is Missing
|
please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld.
|
11/04/2025
|
The Deed of Trust is Present The subject property is a XXX and the Loan Security Agreement is in file on page XXX Condition rescinded.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FCOM9469
|
Credit
|
Missing required ARM Rider
|
Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. eed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. Please provide Deed
of Trust
|
please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld.
|
11/04/2025
|
Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. Invalid finding, property is a XXX and would not require an ARM rider.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Mortgage Statement for XXX 2nd mortgage was not provided for review. Please provide Mortgage Statement for XXX 2nd mortgage.
|
please cancel cond, taxes/ins escrowed on 1st lien, docs were provided in initial file - td stmnt with taxes (pg XXX), hoi stmnt (pgs XXX-XXX) and hoa lox
(pg XXX).
|
11/04/2025
|
Audit reviewed Lender's response and has determined the 2nd lien documentation is in the loan file, Statement with taxes (pg XXX), hoi Statement (pgs
XXX-XXX) and hoa lox (pg XXX). Condition rescinded.
|
11/05/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
400000001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/03/2025
|
Rescinded
|
FPRO1245
|
Property
|
Appraisal is Expired
|
Primary Value Appraisal is Expired. Appraisal updated provided dated XX/XX/XXXX As completed.
|
Rescinded as the XXX is in file and meets guidelines.
|
11/03/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||||
|
400000168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
10/30/2025
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. A COC is required to determine if
this was a valid change.
|
PCCD cure
|
11/11/2025
|
Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund
check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and
proof of delivery. Cured post close, loan will be graded a B.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
400000168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX.
|
econsent
|
11/05/2025
|
Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding; Material Finding
|
11/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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B
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B
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A
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C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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400000168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. The final application lists five properties. The property located at XXX is identified as a second home and
reflects a mortgage payment of XXX which was confirmed by the credit report. However, an additional monthly amount of XXX is listed with no documentation to support the amount listed. The remaining four properties are identified as investment
properties: XXX with a listed expense of XXX-XXX with XXX XXX with XXX and XXX with $XXX. The file lacks documentation to support the amounts listed for the second home and all investment properties shown on the final application. Please
provide documentation to verify these expenses.
|
reo docs
|
11/05/2025
|
Lender provided property profile reports and HOA fees for XXX, XXX-XXX, XXX, XXX and XXX verifying other expenses on REO properties. Condition cleared.;
Borrower 1 Credit Report is not partially present.
|
11/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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B
|
C
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A
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C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCOM3075
|
Credit
|
Missing US Patriot Act Disclosure or ID
|
Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID.
|
ID Card
|
12/17/2025
|
Additional documentation received; condition cleared.; Material Finding; Material Finding
|
12/22/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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B
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A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Missing supporting documentation evidencing the property at XXX was sold. Please provide executed final
settlement Statement or seller closing disclosure reflecting the property at XXX was sold.
|
Final CD
|
12/17/2025
|
Additional documentation received; condition cleared.; Borrower 1 Credit Report is not partially present.
|
12/22/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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C
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A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
The initial LE issued XX/XX/XXXX is missing. This loan failed the initial loan estimate delivery date test (from application) due to one of the following:
(12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)
after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had
been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the
days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure
three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in
the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Initial XX/XX/XXXX LE Uploaded
|
12/12/2025
|
Condition cleared as we have received the missing Initial XXX from lender.; Condition cleared as we have received the missing Initial XXX from lender.
|
12/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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C
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A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
Documentation required to clear exception. Please provide the initial LE issued within XXX days of the application date for compliance testing. This loan
failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total
tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in
good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Initial LE XX/XX/XXXX Uploaded
|
12/12/2025
|
Condition cleared as we have received the missing Initial XXX from lender.; Condition cleared as we have received the missing Initial XXX from lender.
|
12/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
C
|
A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception.
Please provide the initial LE issued within XXX days of the application date for compliance testing.
|
Condition cleared as we have received the missing Initial XXX from lender. ; Condition cleared as we have received the missing Initial XXX from lender. ;
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance
according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a
comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed
on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The
creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Lender provided the final CD. Please provide initial XXX and valid COC for added attorney fee of $XXX. Condition retained.; This loan
failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to
§1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of
the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the
consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The
creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
12/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
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C
|
A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
Please provide a copy of the Final Closing Disclosure to verify final closing figures for testing.
|
Final CD
|
12/08/2025
|
Lender provided final CD. Condition cleared.
|
12/10/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
|
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing Missing Final 1003.
|
Final executed 1003
|
12/08/2025
|
Lender provided Final 1003. Condition cleared.; The Final 1003 is Present
|
12/10/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
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D
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A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
C
|
A
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D
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A
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A
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A
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D
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A
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000172
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Other Loss in the amount of ($XXX), listed on the Final 1003 not documented. Per AUS, other income must be
documented according to the selling guide section XXX Please provide K-XXX's or LOE.
|
see attached XXX lox.
|
11/06/2025
|
Lender provided explanation for the other income loss of XXX which is Unreimbursed Expenses on the schedule E. Condition cleared.; Income and Employment
Meet Guidelines
|
11/12/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000172
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/04/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/07/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided Per AUS #XXX, A valid ARM plan has not been provided to DU. Please provide ARM plan to DU.
|
Updated AUS with ARM plan code attached; DU attached
|
11/14/2025
|
AUS is not incomplete Lender provided updated AUS. Condition cleared.; Lender provided AUS #XXX, which was also in the loan file reflecting bullet #XXX,
that a valid XXX ARM plans has not been provided to DU. Please provide updated AUS reflecting a valid ARM plan was provided to DU. Condition retained.
|
11/18/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
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A
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D
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A
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D
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A
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B
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A
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C
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A
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
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A
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C
|
A
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D
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A
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B
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A
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C
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A
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D
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D
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B
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C
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D
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D
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B
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C
|
D
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D
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B
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C
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D
|
D
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B
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C
|
D
|
D
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B
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/03/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tax Related Service Fee increased from XXX to XXX -- ILE shows a tax related service fee
of XXX which increase to XXX and no valid COC was located to clear exception.
|
COC attached
|
11/07/2025
|
Condition cleared as we have received the missing valid COC for the tax related service fee increase. ; Condition cleared as we have received the missing
valid COC for the tax related service fee increase.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
|
A
|
C
|
A
|
D
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A
|
B
|
A
|
C
|
A
|
D
|
D
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B
|
C
|
D
|
D
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B
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C
|
D
|
D
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B
|
C
|
D
|
D
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B
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C
|
D
|
D
|
B
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FPRO0951
|
Property
|
XXX Approval Missing
|
XXX Approval Missing. Missing XXX Approval.
|
XXX Questionnaire attached
|
11/07/2025
|
XXX Approval is provided.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
|
A
|
B
|
A
|
D
|
A
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
|
|
400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing
|
LOE attached
|
11/07/2025
|
Condition cleared as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
|
A
|
B
|
A
|
D
|
A
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Please provide corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD.
|
PCCD attached
|
11/07/2025
|
Condition cleared as we have received the corrected CD.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is
less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%
|
D
|
A
|
C
|
A
|
D
|
A
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
Informational only.
|
11/10/2025
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title to confirm a minimum of XXX
|
The policy will be issued with the correct loan amount. See attached endorsement to the Title Commitment for the correction.
|
11/25/2025
|
Lender provided Title Commitment Endorsement reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total
Amount of Subject Lien $XXX; Material Finding
|
11/26/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing Provide proof of self employment within XXX days of closing as required. Dept of State doc in file has no
date that the document was pulled.
|
State search with web; Business search
|
11/25/2025
|
Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS and FNMA
requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 1 3rd Party VOE
Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS requirements. Condition cleared.; Finding remains as we only received the same information. The VOE used by the lender has no
search or pull date the document was created.
|
11/26/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance.
|
CDA; Please advise what is needed to address this
|
11/14/2025
|
CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation
product provided within tolerance.; Audit reviewed Lender's response. A CDA is required to meet BAML overlay requirements. Condition retained.
|
02/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than
Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 69.17% exceeds AUS CLTV of 68% Lender approved the loan on the appraisal with a higher value as opposed to the appraisal with lower value.
Missing any evidence why the higher value appraisal was used.
|
Appraiser increased value due to bathroom remodel – this was on the appraisal in the file | | Same appraisal and appraiser… he increased value on original
report |
|
11/12/2025
|
Condition cleared as we have received explanation for second appraisal with slightly higher value due to bathroom remodel.; Audited LTV of 67.66% is less
than or equal to AUS CLTV of 68%
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than
Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The
declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply.
|
RCE
|
11/11/2025
|
Condition cleared as we have received evidence of replacement cost included form the insurance company. ; The Total Hazard Coverage is greater than or equal
to the Required Coverage Amount
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than
Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than
Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA for lowest of XXX appraisal of $XXX.
|
CDA
|
11/14/2025
|
CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation
product provided within tolerance.
|
02/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
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C
|
A
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D
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A
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C
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A
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A
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided Please provide documentation verifying Value of XXX or Re-run AUS with lowest of XXX appraised value of XXX
|
Updated AUS
|
11/14/2025
|
Condition cleared as we have received the updated AUS with correct valuation. ; AUS is not incomplete
|
11/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
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D
|
A
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C
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A
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A
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
|
A
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D
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D
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C
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A
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D
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D
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
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A
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A
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D
|
D
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C
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A
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D
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D
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C
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A
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D
|
D
|
C
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A
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D
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D
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C
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A
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D
|
D
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA report on lowest value of $XXX.
|
CDA
|
11/18/2025
|
CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation
product provided within tolerance.
|
02/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
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C
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 73.17% exceeds AUS CLTV of 70% Rerun DU with corrected CLTV. Value of $XXX.
|
AUS
|
11/19/2025
|
Lender provided updated AUS reflecting approved LTV / CLTV of 74%. Condition cleared.; Audited LTV of 73.17% is less than or equal to AUS CLTV of 74% Lender
provided updated AUS reflecting approved LTV / CLTV of 74%. Condition cleared.
|
01/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
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C
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C
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C
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C
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C
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C
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C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Rerun DU approval with net income of XXX per month. DU approval shows income of XXX per month. Income didn't
account for one of the three businesses with a loss. Subject to full review of new DU approval and additional conditions may apply.
|
DU
|
11/18/2025
|
Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.;
Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.
|
01/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Rerun DU approval to include three merge report as per page XXX # XXX of the DU approval. Loan is subject to
full review of new approval and Additional conditions may apply.
|
DU #XXX was uploaded and should resolve the remaining condition on this one. The arm plan is on there and confirms a hard pull tri merged credit report was
used. ; Updated AUS; AUS
|
12/02/2025
|
Cleared as we have received the updated AUS with correct ARM plan. ; Borrower 1 Credit Report is not partially present.; Lender provided same AUS #XXX.
Please provide updated AUS reflecting a valid ARM plan and full tri merge credit information. Condition retained.; Lender provided AUS #XXX; however, it still reflects bullet point XXX for Early Assessment recommendation using soft inquiries
and bullet point #XXX indicating a valid XXX Arm plan was not provided to DU. Please provided updated AUS reflecting a valid ARM plan and reflecting the full tri merge credit report information. Condition retained.
|
12/02/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of Final
CD.
|
PCCD
|
11/19/2025
|
Lender provided corrected PCCD reflecting correct information for will not allow assumption on page XXX Condition cleared.
|
11/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX to XXX on Final CD dated XX/XX/XXXX without a valid COC.
|
Document Uploaded. Please see attached PCCD, with a cure check in the amount of the tolerance violation.
|
11/19/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
11/10/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
11/10/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
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A
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C
|
C
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A
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A
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C
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C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/10/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.62% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/10/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.62% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
400000040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/10/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.62% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/10/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than
Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
|
A
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A
|
A
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A
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A
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A
|
A
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A
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A
|
A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/10/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than
Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/10/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than
Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000072
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000072
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000072
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 57.65% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/06/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 57.65% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 57.65% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000044
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 70.71% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000044
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 70.71% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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400000044
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 70.71% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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400000068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
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400000068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
|
400000068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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|||
|
400000066
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
|
|||
|
400000066
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
|
|||
|
400000066
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/11/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to ithe addition of the XXX for the
Appraisal Review Fee.
|
Document Uploaded. Please see the attached PCCD package mailed to borrower curing the issue.
|
11/13/2025
|
Cure package provided, exception downgraded to a 2/B
|
11/14/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline
LTV of 89.99%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/13/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline
LTV of 89.99%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/13/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline
LTV of 89.99%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000054
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000054
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/07/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000054
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000081
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Missing documentation supporting the exclusion of the XXX acount as reflected on the AUS, with a monthly
payment in the amount of XXX
|
; Documentation received in RWT review.; Document Uploaded. ;
|
11/20/2025
|
Borrower 1 Credit Report is not partially present.
|
11/20/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 55.47% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.47% is less than Guideline
CLTV of 90%
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Rescinded
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. The following debt was submitted as paid off at or before closing and excluded from the DTI calculations.
Please provide documentation supporting the omission; XXX Mortgage Acct# XXX with a balance of XXX and a payment of $XXX. Additional conditions may apply.
|
A copy of the loan commitment from the buyer's lender for the sale of this property was included with the loan package. Please clear.
|
11/17/2025
|
Audit reviewed Lender's response and has determined the sales contract for the sale of the departing residence and Verified Pre-Approval Letter are in the
loan file on pages XXX and XXX which meets AUS and XXX requirements for omission of the debt from the total debt obligations. Condition rescinded.
|
11/19/2025
|
C
|
A
|
A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
400000163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The
declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply.
|
RCE Attached
|
11/17/2025
|
Audit reviewed Lender's response and has determined the insurance is based on replacement cost value per page XXX of the insurance policy. Condition
cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
11/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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A
|
A
|
C
|
C
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A
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A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/18/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at
XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX.
|
; Documentation received, RWT to review.; Document Uploaded. ; ; ; ; ; Document Uploaded. ; Documentation received in RWT review.;
|
12/22/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Updated cure amount to $XXX due to the increase in the credit report fee without a
valid COC in file; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed
the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost
disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).;
|
12/22/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Rescinded
|
finding-3529
|
Compliance
|
Revised Loan Estimate Delivery Date and Changed Circumstances Date Test
|
This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as
amended in XXX and 12 CFR §1026.19(e)(4)(i) he revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its
business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his
calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it
relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open
on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the
company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the
purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised
estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after
the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to
§XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as
amended in XXX and 12 CFR §1026.19(e)(4)(i) he revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its
business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his
calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it
relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open
on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the
company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the
purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised
estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after
the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to
§XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms. Invalid; corrected COC dates Invalid; corrected COC dates
|
12/03/2025
|
Invalid; corrected COC dates Invalid; corrected COC dates
|
12/22/2025
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery
date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of
the Initial LE dated with XXX days of the initial application XX/XX/XXXX.
|
; Document Uploaded. ; Documentation received, RWT to review.; ; Document Uploaded. ; Documentation received in RWT review.;
|
12/03/2025
|
SSPL provided; exception resolved; This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan
contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the
comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a
recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by
more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).;
Provide SSPL dated within 3 days of the application date; This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to
shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that
displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges
for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not
paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/1099 Missing
|
Borrower 1 W2/1099 Missing. Missing XXX years W2s for XXX and XXX
|
; ; Documentation received in RWT review.; Document Uploaded. ;
|
11/24/2025
|
Borrower 1 W2/1099 Provided
|
11/24/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCRE1330
|
Credit
|
Borrower 1 Paystubs Missing
|
Borrower 1 Paystubs Missing Missing most current XXX month period of paystubs
|
; Documentation received in RWT review.; Document Uploaded. ;
|
11/24/2025
|
Borrower 1 Paystubs Provided
|
11/24/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Please provide evidence Borrower received ARM
disclosure within required XXX days from Application dated XX/XX/XXXX
|
; Documentation received in RWT review.; Document Uploaded. ;
|
11/21/2025
|
ARM Disclosure Provided Within 3 Days of Application Date or Not ApplicabXXX.
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe
homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the
lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling
organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders
to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions
provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in
§XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count
based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company
settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If
this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required; Homeownership
Counseling Organization list dated within XXX business days of application date XX/XX/XXXX.
|
; Documentation received in RWT review.; Document Uploaded. ;
|
11/21/2025
|
Condition was resolved after homeownership counseling disclosure was received within XXX days of application date.
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
B
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required; Initial LE and appropriate initial disclosure package dated within XXX
business days of application date XX/XX/XXXX.
|
; Documentation received in RWT review.; Document Uploaded. ;
|
11/21/2025
|
Condition was resolved after Initial XXX was received dated within XXX business days of application date.
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/18/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please provide required CDA-
Secondary Value Source.
|
CDA attached
|
11/12/2025
|
CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation
product provided within tolerance.
|
02/20/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 52.96% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/18/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 52.96% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of
application date XX/XX/XXXX or provide confirmation the lender has no affiliates.
|
LOE attached
|
11/12/2025
|
Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material ; Material
|
11/14/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 52.96% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/10/2025
|
Resolved
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing Documentation required to clear exception: XXX is Missing
|
XXX attached
|
11/12/2025
|
XXX is Present or Not Applicable Lender provided XXX. Condition cleared.; XXX is Present or Not Applicable Lender provided XXX. Condition cleared.; XXX is
Present or Not Applicable Lender provided XXX. Condition cleared.
|
11/14/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 52.96% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. According to XXX report, initial Loan application date is XX/XX/XXXX. Initial LE is dated
XX/XX/XXXX which exceeds the timing XXX. Documentation required to clear exception: Please provide Initial LE dated within XXX days of the application date of XX/XX/XXXX
|
Initial LE and Service provider list
|
11/14/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This exception is tied to the Initial LE and
Written List of Service Providers missing. According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE and WLSP is dated XX/XX/XXXX which exceeds the timing XXX. Document
required to clear exception: Initial Disclosures dated XX/XX/XXXX or within the XXX days of application date of XX/XX/XXXX.
|
Initial LE and Service provider list
|
11/14/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
This exception is tied to the Initial LE missing. According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE is dated XX/XX/XXXX which exceeds the timing XXX.
|
Initial LE and Service provider list
|
11/14/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe
homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the
lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling
organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders
to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions
provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in
§XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count
based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company
settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If
this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception.
According to XXX report, initial Loan application date is XX/XX/XXXX. Homeownership counseling organization disclosure is dated XX/XX/XXXX which exceeds the timing XXX. Missing Original Disclosures and LE that was sent to the borrower on
XX/XX/XXXX, per XXX Report in the file. Document required to clear exception: Homeownership Counseling Organization Disclosure dated within XXX days of application date of XX/XX/XXXX
|
Homeownership Counseling Organizations Disclosure
|
11/14/2025
|
Lender provided Homeownership Counseling disclosure date within XXX days of the application date. Condition cleared.
|
11/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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B
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A
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C
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A
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A
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A
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A
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A
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A
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400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/18/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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|||
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400000181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/11/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). This exception is tied to the Initial LE missing.
According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE is dated XX/XX/XXXX which exceeds the timing XXX. Document required to clear exception is the ARM Disclosure
dated within XXX days of the application date of XX/XX/XXXX.
|
ARM Disclosure
|
11/14/2025
|
Lender provided ARM Disclosure date within XXX days of application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or
Not ApplicabXXX.
|
11/17/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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400000133
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/18/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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A
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C
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C
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C
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C
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A
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A
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C
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C
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A
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|||
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400000080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/13/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/13/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/13/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Provide evidence that the ARM Disclosure was provided
within XXX Days of Application Date, (XX/XX/XXXX).
|
Document Uploaded. Please see the attached package which was sent with the initial loan estimate within XXX days of application. Included in that package is
the ARM disclosure.
|
11/14/2025
|
ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX.
|
11/17/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
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A
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A
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A
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C
|
A
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
400000079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/13/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000078
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000078
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000078
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/13/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing Documentation required: Provide evidence borrower's were in receipt of the Consumer Handbook for Adjustable Rate Mortgages within XXX days of
program change
|
Document Uploaded. Please see attached. Upon product flip, the borrower is sent a static link the the XXX. I have copied over and uploaded a picture of our
internal system confirming the static link.
|
12/05/2025
|
XXX is Present or Not Applicable
|
12/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline
LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/14/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline
LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/14/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline
LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000069
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/17/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000069
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/17/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000069
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/17/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/12/2025
|
Acknowledged
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Please provide copy of the ARM disclosure within XXX
days of the application date XX/XX/XXXX.
|
Unable to Resolve-Seller acknowledges exception, no change in grading ; Please review pg XXX which contains the Loan Disclosure Summary esigned on
XX/XX/XXXX, it confirms receipt of the XXX. This was esigned on XX/XX/XXXX which is the same date the 1003 application was taken. Please use this to resolve the exception
|
12/15/2025
|
Acknowledged as 3/C grading per client request; The document indicated in the response is not sufficient to resolve. The file does not contain an ARM
disclosure (like the one on pg XXX) dated within XXX days of the application.
|
12/15/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
|
|
400000067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
|||
|
400000067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
|||
|
400000063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/17/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/17/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/17/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000055
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/18/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 59.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000055
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/18/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 59.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000055
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/18/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 59.3% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000155
|
XXX
|
XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% The Audited DTI of XXX% exceeds AUS DTI of XXX% due to income calculations. The loan was approved using XXX in
commission income for Borrower 1; however, the file does not contain documentation to support this income. Removing the commission income results in a higher DTI.
|
Please see the attached, the bonus income for B1 has been removed.
|
12/16/2025
|
Additional documentation received; condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
12/23/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
400000155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
TP; page XXX is the updated title with the correct coverage amount
|
12/10/2025
|
Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX;
Audit reviewed Lender's response and has determined the title coverage of XXX is not sufficient to cover the loan amount of $XXX. There is a variance of XXX Please provide title report with sufficient coverage of $XXX. Condition retained.;
Material
|
12/12/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
B
|
A
|
C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
|
|
400000155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Rescinded
|
FCOM8896
|
Compliance
|
Final CD: Loan Disclosures Assumption incomplete or inaccurate
|
Client overlay: Please provide Corrected CD with the box selected for “Will not allow assumption of this loan on the original terms.” On Page XXX of CD.
|
The final CD has the correct not assumable box checked. Please see page XXX of the final CD on page XXX of the original upload.
|
11/24/2025
|
Audit reviewed Lender's response and has determined page XXX of the final CD does reflect the correct information for will not allow assumption. Condition
rescinded.
|
11/26/2025
|
C
|
A
|
A
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A
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C
|
A
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A
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A
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A
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A
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C
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C
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A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
||
|
400000155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 68.11% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000175
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 20.73% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 20.73% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/13/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Provide the ARM disclosure and proof if was sent to
the borrower within XXX business days of application XX/XX/XXXX
|
Initial ARM
|
11/19/2025
|
Lender provided ARM disclosure provided within XXX business days of application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of
Application Date or Not ApplicabXXX.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received.
|
Initial LE
|
11/19/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided
initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance.
Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Missing initial Loan Estimate and proof sent to
the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received.
|
Initial LE uploaded to previous condition for review.
|
11/19/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided
initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance.
Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing initial Loan Estimate and proof sent to the borrower within XXX business days of
application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received.
|
Initial LE uploaded to previous condition for review.
|
11/19/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided
initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance.
Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received.
|
Initial LE uploaded to previous condition for review.
|
11/19/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided
initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance.
Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.
|
11/21/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 66.52% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000201
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
Please provide update on hmda review
|
11/20/2025
|
HMDA data received, no discrepancies noted, condition cleared ; Audit reviewed Lender's response. HMDA review to be completed by DD firm. Condition
retained.
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/21/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.11% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 47.11% is less than Guideline CLTV of 80%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/17/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per
compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Additional conditions
may apply.
|
Initial LE XX/XX/XXXX
|
11/20/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/21/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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C
|
A
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C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery
date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of
the Initial LE dated with XXX days of the initial application XX/XX/XXXX.
|
Initial LE XX/XX/XXXX
|
11/20/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/21/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at
XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX.
|
Initial LE XX/XX/XXXX
|
11/20/2025
|
Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
11/21/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/14/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation Required to clear exception - ARM
disclosure issued within XXX business days of application (XX/XX/XXXX)
|
ARM Disclosure XX/XX/XXXX
|
11/20/2025
|
Lender provided ARM disclosure provided within XXX business days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of
Application Date or Not ApplicabXXX.
|
11/21/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/18/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/18/2025
|
Resolved
|
FCRE1334
|
Credit
|
Borrower 1 Executed 4506-T Missing
|
Borrower 1 Executed 4506-T Missing Please provide the completed and signed XXX-C for the following business: XXX.
|
XXX
|
11/25/2025
|
Lender provided XXX-C for XXX. Condition cleared.; Borrower 1 Executed XXX-T Provided
|
11/26/2025
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Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/18/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. The final application reflects a mortgage payment of XXX for the property located at XXX, which is supported
by the credit report. Additional expenses of XXX are also listed; however, there is no documentation confirming that escrows are included in the mortgage payment, and we are unable to validate the additional XXX expense. Please provide
confirmation of the full PITIA expenses for this property.
|
XXX
|
11/25/2025
|
Lender provided TIA for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present.
|
11/26/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM1268
|
Compliance
|
ARM Disclosure is Missing
|
ARM Disclosure is Missing. Provide the ARM disclosure dated within XXX business days of application XX/XX/XXXX.
|
ARM disclosure dated XX/XX/XXXX
|
11/24/2025
|
Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable
|
11/26/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
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A
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D
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
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A
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C
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A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of % is less than Guideline DTI of XXX%
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Columbus Day (XX/XX/XXXX s not being
open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the
company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail
the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing ILE dated within XXX business days of application
XX/XX/XXXX and proof sent which sets the baseline. TRID testing to be completed once ILE has been received.
|
LE uploaded to other condition
|
11/25/2025
|
Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have
received the missing Initial CD as well as the WLSP within XXX days of application date.
|
11/26/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 56.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Missing ILE dated within XXX business days of application XX/XX/XXXX which sets the baseline. TRID testing to be completed once ILE has been received.
|
initial loan estimate
|
11/25/2025
|
Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have
received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have
received the missing Initial CD as well as the WLSP within XXX days of application date.
|
11/26/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 56.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|
|
400000157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Missing ILE dated within XXX business days of
application XX/XX/XXXX which sets the baseline. TRID testing to be completed once ILE has been received.
|
LE uploaded to other condition.
|
11/25/2025
|
Condition resolved as we have received the missing ILE, and TRID was completed.
|
11/26/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 56.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
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C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
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C
|
C
|
C
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A
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C
|
C
|
C
|
A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 56.28% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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C
|
A
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C
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C
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A
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C
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C
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C
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A
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C
|
C
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C
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A
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C
|
C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
||
|
400000077
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/20/2025
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||
|
400000077
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
||||
|
400000077
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/20/2025
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||
|
400000071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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400000071
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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400000071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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400000065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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400000065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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400000065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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|||
|
400000061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%
|
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|||
|
400000061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%
|
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|||
|
400000061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%
|
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|||
|
400000057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
|
|||
|
400000057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
|||
|
400000057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
|
A
|
|||
|
400000056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
A
|
|||
|
400000056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
|||
|
400000056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/21/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
|
A
|
A
|
|||
|
400000053
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/24/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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|||
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400000053
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/24/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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400000053
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/24/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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A
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A
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400000051
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/24/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline
CLTV of 89.99%
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A
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A
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400000051
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/24/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline
CLTV of 89.99%
|
A
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A
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|||
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400000051
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/24/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline
CLTV of 89.99%
|
A
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|||
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400000049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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|||
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400000049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/20/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Per the Final 1003 the PITI for the departing property located at: XXX is XXX per months, however there is no documentation confirming whether this property
has HOA dues or not. Please provide satisfactory documentation evidencing whether this property has HOA dues or not.
|
There is no indication the property is an HOA. The amount used to qualify matches the amount listed on the mortgage Statement. Unless there are HOA red
flags, such as a XXX unit number, we do not document the lack of HOA dues with the loan file.
|
11/21/2025
|
No indication that there is an HOA on the departing residence; finding resolved.; Auditor review indicates there is an HOA on the departing residence.
Please provide an HOA document or Property Details Report for XXX.
|
11/25/2025
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||
|
400000047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
11/20/2025
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||
|
400000047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
||||
|
400000046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing Evidence of delivery of the XXX is missing.
|
Document Uploaded. Please see the attached attestation regarding XXX's process for the XXX.
|
12/11/2025
|
XXX is Present or Not Applicable; Per client email, XXX is automated with eConsent acceptance and provided on eConsent acceptance date.
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
|
A
|
A
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A
|
A
|
D
|
A
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
11/20/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
A
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A
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A
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A
|
D
|
A
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D
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A
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A
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D
|
D
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A
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A
|
D
|
D
|
A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
11/20/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the
tax service fee from LE XX/XX/XXXX to LE XX/XX/XXXX and XXX to XXX for the appraisal fee from LE XX/XX/XXXX to LE XX/XX/XXXX. The COC's provided do not give enough information to determine if this was a valid change. Please provide a more
detailed explanation.
|
refund to borrower | pccd and fedex; coc for program change on tax service
|
12/02/2025
|
Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund
check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and
proof of delivery. Cured post close, loan will be graded a B.
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline
Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80%
Calculated LTV of 69.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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B
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C
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B
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C
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A
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A
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A
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C
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B
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A
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A
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A
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A
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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400000153
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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11/20/2025
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Resolved
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FCRE1148
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Credit
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Title Coverage is Less than Subject Lien
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Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
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Prelim with updated amount
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12/02/2025
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Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Additional documentation received; exception resolved.;
Material; Material
|
12/03/2025
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline
Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80%
Calculated LTV of 69.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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B
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B
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A
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C
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A
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A
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A
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C
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B
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C
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A
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C
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C
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A
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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400000153
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/19/2025
|
Resolved
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FCOM9186
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Compliance
|
eSigned Documents Consent is Missing
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The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX
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consent for initial disclosure
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11/25/2025
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Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.
|
11/26/2025
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline
Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80%
Calculated LTV of 69.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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B
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B
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A
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C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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A
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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400000153
|
XXX
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XXXXX
|
XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/20/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
11/26/2025
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline
Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80%
Calculated LTV of 69.64% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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B
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C
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A
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C
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A
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A
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A
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C
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B
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A
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A
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A
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
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400000173
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence
the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was
received the minimum XXX days prior to consummation.
|
Hello. Appraisals delivered on XX/XX/XXXX and XX/XX/XXXX appear to be more than XXX days prior to the XX/XX/XXXX closing date. Please advise?
|
11/28/2025
|
Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; Material
|
12/03/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 57.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 57.53% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
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C
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A
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B
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A
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A
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A
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A
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C
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A
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C
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C
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A
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B
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C
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000173
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided.
|
12/03/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 57.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 57.53% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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B
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A
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C
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A
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B
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A
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C
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A
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B
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C
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided.
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/25/2025
|
Rescinded
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided Please provide AUS showing as Cash Out. AUS in file is Limited Cash Out.
|
This is a rate/term no cash out XXX and when DU is ran, it populates as limited cash out. Based on guidelines this is correct. XXX% of loan amount is XXX
and borrower received XXX within the threshold. |
|
11/28/2025
|
AUS is not incomplete Audit reviewed Lender's response and has determined the settlement Statement reflects the Borrower received XXX which is within the
XXX% limit of XXX allowed by FNMA. Condition rescinded.
|
12/03/2025
|
C
|
A
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A
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
||
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception - Provide
Initial ARM disclosure dated within XXX days of Application Date.
|
ARM disclosure
|
11/26/2025
|
Lender provided ARM disclosure dated within XXX business days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of
Application Date or Not ApplicabXXX.
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
|
A
|
C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
Documentation required to clear exception- Provide Initial Loan Estimate dated XX/XX/XXXX as referenced in XXX report. Additional testing will be completed upon receipt.
|
initial LE
|
11/26/2025
|
Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
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A
|
C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
|
C
|
C
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A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception -
Provide Initial Loan Estimate dated XX/XX/XXXX as referenced in XXX report. Additional testing will be completed upon receipt. Also provide Written List of Service Providers issued at application date.
|
initial LE
|
11/26/2025
|
Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi
re-ran compliance and has determined fees are within tolerance. Condition cleared.; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/24/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be
deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This
test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Columbus Day (XX/XX/XXXX s not being
open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the
company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail
the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception- Provide initial LE
dated XX/XX/XXXX
|
initial LE
|
11/26/2025
|
Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi
re-ran compliance and has determined fees are within tolerance. Condition cleared.
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000154
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/07/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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C
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C
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C
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/07/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing proof of taxes for the property at XXX. Missing proof of hazard insurance for the property at XXX, Missing proof of HOA or letter from borrower
stating no HOA for the following properties: XXX XXX.
|
XXX was deeded over to XXX. Our borrower has no ownership. XXX is land no HOA or HOI.
|
12/03/2025
|
Lender provided LOE for no HOA fees for properties XXX XXX, LOE for no insurance on property XXX XXX, which is a vacant lot and provided mortgage for
property XXX XXX reflecting property is no longer owned by the Borrower. Condition cleared.
|
12/05/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Missing proof of XXX debt listed with a payment on the Final 1003. Need proof of balance and monthly payment.
Additional conditions may apply.
|
See page XXX of XXX of the XXX transcripts showing that the borrower paid taxes owed
|
12/03/2025
|
Lender provided tax transcripts reflecting XXX tax payment made in full. Condition cleared.; Borrower 1 Credit Report is not partially present.
|
12/05/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
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C
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000146
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/07/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX
|
econsent
|
12/09/2025
|
Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material; Material
|
12/10/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80%
|
C
|
A
|
B
|
A
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C
|
A
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A
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A
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B
|
A
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C
|
C
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A
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B
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C
|
C
|
A
|
B
|
C
|
C
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A
|
B
|
C
|
C
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A
|
B
|
C
|
C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|
|
400000144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/07/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80%
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
|
B
|
A
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C
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C
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A
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B
|
C
|
C
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A
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B
|
C
|
C
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A
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B
|
C
|
C
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A
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B
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C
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/07/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
61.54% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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A
|
A
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C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000062
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCRE1255
|
Credit
|
Other Property Insurance Policy Missing
|
The Hazard Insurance is missing on the following properties: XXX XXX
|
Please see page XXX-XXX of the loan file. The schedule E on the borrower's 1040s lists an insurance amount for every property listed in the exception.
|
12/05/2025
|
Property tax amounts found on the Schedule E as advised by lender.
|
12/05/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000062
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000062
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
11/26/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job.
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400000058
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%
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400000058
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%
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400000058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%
|
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400000052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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400000052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|
400000052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|
400000050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
|
400000050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
|
400000050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
|
400000048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV
of 80%
|
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A
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A
|
|||
|
400000048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV
of 80%
|
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|||
|
400000048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV
of 80%
|
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|
|||
|
400000045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 64.49% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
|
|||
|
400000045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 64.49% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
|
|||
|
400000045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/04/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum
- Calculated LTV of 64.49% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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A
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400000025
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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400000025
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/01/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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400000025
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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400000023
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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400000023
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
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400000023
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/03/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
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A
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|||
|
400000147
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCRE1158
|
Credit
|
Hazard Insurance Policy is Partial
|
Hazard Insurance Policy Partially Provided There are two hazard policies in file. Neither seem to have a beginning and ending date. They also have different
policy #'s. Please provide correct insurance with start and end dates. Additional conditions may apply.
|
HOI Effective date reflects last page
|
12/11/2025
|
Lender provided hazard insurance policy. Condition cleared.; Hazard Insurance Policy is fully present; Hazard Insurance Policy Partially Provided There are
two hazard policies in fiXXX. Neither seem to have a beginning and ending date. They also have different policy #'s. Please provide correct insurance with start and end dates. Additional conditions may apply.
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000147
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/02/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.
|
12/08/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/05/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
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A
|
B
|
A
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C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
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B
|
C
|
C
|
A
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B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required: The eSigned documents consent is missing for the initial disclosures esigned by the
Borrower 1XX/XX/XXXX or prior.
|
initial consent
|
12/09/2025
|
Lender provided Econsent. Condition cleared.; Evidence of eConsent is provided.
|
12/10/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
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B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|
|
400000075
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated
LTV of 56.65% is less than Guideline LTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000075
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated
LTV of 56.65% is less than Guideline LTV of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000075
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated
LTV of 56.65% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing The loan file is missing verification of employment for the borrowers second S/E job.
|
The borrower's self employment income is not being used to qualify. The 1040s confirm the business is operating at a loss. We do not require third party
verification for businesses operating at a loss.
|
12/04/2025
|
Borrower 1 3rd Party VOE Prior to Close Was Provided
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/04/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/04/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/03/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/04/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/09/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
Following up on the status of this review.
|
12/15/2025
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/05/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception: ARM
Disclosure dated in file dated XX/XX/XXXX was not provided within XXX Days of Application Date XX/XX/XXXX. Please provide ARM disclosure dated within XXX days of application.
|
Application date is XX/XX/XXXX and ARM disclosure was sent on XX/XX/XXXX which is within the XXX days.
|
12/15/2025
|
Lender provided Disclosure Tracker verifying ARM disclosure provided to the Borrower within XXX days of the application date. Condition cleared.; ARM
Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX.
|
12/17/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 50% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to $XXX..XXX for
the Foreclosure Prevention Fee that was added to the ICD
|
refund check, pccd and fedex to borrower
|
12/17/2025
|
Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund
check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and
proof of delivery. Cured post close, loan will be graded a B.
|
12/22/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 50% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000137
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA Data Tape Provided.
|
01/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.09% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.09% is less than Guideline LTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/11/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing documentation to support the monthly payment for the property at XXX #XXX. Lender to provide explanation and evidence to support the monthly
liability for the property at XXX #XXX of $XXX/m. The mortgage Statement in the file does not account for the amount.
|
Please see pages XXX and XXX of the loan file. The mortgage Statement confirms the borrower is not on the mortgage and isnt responsible for the XXX and
interest. We did qualify the borrower with the full taxes, insurance and HOA dues amount. The number was left higher than the documents require as a conservative estimate of DTI.
|
12/15/2025
|
Mortgage Statement on pg XXX reflects mortgage not in borrower's name, so lender did not include P&I amount for XXX XXX
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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D
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A
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D
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
The borrower's paystub meets the requirement for Paystub as VOE. The paystub in the loan file has a period end date of XX/XX/XXXX. This meets requirements.
|
12/15/2025
|
Borrower 1 3rd Party VOE Prior to Close Was Provided
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
|
|
400000036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
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D
|
A
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A
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A
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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D
|
A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
400000036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
|
A
|
A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/10/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/12/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/12/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing. Evidence of delivery within XXX business days or product change required.
|
Document Uploaded. Please see attached. Upon product flip, the borrower is sent a static link the the XXX. I have copied over and uploaded a picture of our
internal system confirming the static link.
|
12/17/2025
|
XXX is Present or Not Applicable
|
12/18/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
A
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
D
|
A
|
D
|
A
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A
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D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/15/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/15/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/15/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence that a copy of the appraisal was provided to the consumer at least XXX business days prior to consummation date of XX/XX/XXXX.
|
Unable to Resolve-seller accepts; no change to grading.
|
12/16/2025
|
Acknowledged as 2/B grading per client request.
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/15/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/15/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline
LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/15/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline
LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/15/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has
XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline
LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The
lender credit decrease in the amount of XXX is due to decrease from XXX on LE XX/XX/XXXX to XXX in lender paid fees on final CD dated XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan
contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits
($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or
imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Please see page XXX of the loan file. The lender credits cannot be applied to fees which dont exist. To remedy this, the borrower is given XXX reduction to
ensure they still receive the full amount of the disclosed lender credits. Please add the prinicipal reduction to the lender credit amount for the full credits.
|
12/17/2025
|
Lender confirmed XXX reduction is for lender credits; exception resolved; Lender confirmed XXX reduction is for lender credits; exception resolved
|
12/18/2025
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C
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400000004
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
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C
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A
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400000004
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
C
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A
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A
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||||
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400000002
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XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing Unable to locate a recent third party verification of borrower's business and employment. Verification
provided is dated XX/XX/XXXX.
|
Document Uploaded. Please see the screen shot attached from our document system showing the third party SE verification was uploaded XX/XX/XXXX at
XX/XX/XXXX (please adjust zoom if needed). It would not have been completed prior to application on XX/XX/XXXX and should be sufficient to verify it was completed within XXX days prior to closing on XX/XX/XXXX
|
12/17/2025
|
Borrower 1 3rd Party VOE Prior to Close Was Provided
|
12/18/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 56.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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D
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400000002
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 56.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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D
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D
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D
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D
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D
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A
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D
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D
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A
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D
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D
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A
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A
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A
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A
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|||
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400000002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 56.16% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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|||
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400000017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/11/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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400000014
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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12/16/2025
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Rescinded
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finding-3634
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Compliance
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Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the
discount points from CD XX/XX/XXXX to CD XX/XX/XXXX (page XXX) The COC wasn't accepted because there is no borrower received date. Provide evidence when the borrower received the CD to confirm timing requirements were met.
|
Please be advised this is a valid CIC and does not require a new waiting period. The APR on the CD did not increase more than XXX%. This loan meets timing
requirements.
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12/17/2025
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Valid COC in file; Exception resolved; Valid COC in file; Exception resolved
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12/18/2025
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400000014
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
12/16/2025
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Resolved
|
FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
12/16/2025
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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400000014
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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400000013
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job.
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400000013
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
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Informational
|
12/16/2025
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Borrower has stable job time - Borrower has XXX years on job.
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400000013
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job.
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400000012
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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|
400000012
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
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A
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|
400000012
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/16/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
400000010
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Rescinded
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. The XXX Mortgage Identity verification and acknowledgment certification form was completed with this error: B2
Photo ID expiration Date: XX/XX/XXXX. This date is B2’s date of birth. File requires the expiration date of the document used for this event.
|
Guidelines do not require this date be updated. The notary is attesting that they reviewed and verified the identity of the signers, the expiration date and
license date are for our own verification process and nothing more.
|
12/17/2025
|
Matrix/Guidelines do not indicate an ID is required. Condition rescinded.
|
12/18/2025
|
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A
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A
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A
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A
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||
|
400000010
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/12/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/16/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.26% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.26% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
400000010
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/16/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.26% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.26% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
400000136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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A
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A
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A
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A
|
|||
|
400000139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/15/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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A
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A
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A
|
|||
|
400000135
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/16/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational
purposes only. Due Diligence firm to complete. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCOM3813
|
Credit
|
Purchase Contract does not Match Final CD
|
The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (XXX Z) 12 CFR 1026.38(a)(3)(vii) Addendum to
the purchase contract shows a purchase price of $XXX compared to the Final CD $XXX.
|
Contract Addendum with the correct Sales Price
|
12/19/2025
|
Addendum provided - condition cleared
|
12/22/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE1193
|
Credit
|
Audited DTI Exceeds Guideline DTI
|
Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Credit report supplement, new debt added. XXX with a balance of XXX and a payment of XXX. Audited DTI
of XXX% exceeds Guideline DTI of XXX% Per Credit report supplement, new debt added. XXX with a balance of XXX and a payment of XXX.
|
Re-evaluation of Debts/Statements in file - Audit DTI matches AUS DTI - condition cleared.; Audited DTI of XXX% is less than or equal to Guideline DTI of
XXX%
|
12/22/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing - The documentation in the loan file confirms borrower's business existence, however the documents are not
dated, as to when this information was verified. Per lender guidelines business verification is required to be verified no later than XXX calendar days prior to the note date.
|
Document Uploaded. Please see the attached confirmation of when the business license was received.
|
12/31/2025
|
Borrower 1 3rd Party VOE Prior to Close Was Provided; Received business license search dated XX/XX/XXXX showing the borrower actively in business
|
01/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX on Initial LE dated XX/XX/XXXX, to XXX on the final CD dated
XX/XX/XXXX, due to increase in the Recording Fee. No COC provided for increase.
|
Document Uploaded. Please see the attached cure package mailed to the borrower.
|
12/31/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
12/31/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of Appraisal Review
Fee in the amount of XXX on Final CD dated XX/XX/XXXX. COC not provided for the additional fee.
|
Document Uploaded. Cure packet uploaded, please reveiw.; Document Uploaded. Please see attached, CIC requiring the fee increase.
|
01/02/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; COC provided
indicates the date of the COC as XX/XX/XXXX, however the fee was not disclosed to the borrower until the CD dated XX/XX/XXXX which is not within XXX days of the COC. Provide any missing disclosures
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than
Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than
Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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|||
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400000028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than
Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than
Guideline LTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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|||
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400000028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than
Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than
Guideline LTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000026
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE1159
|
Credit
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the
Disbursement Date of XX/XX/XXXX.
|
Please refer to page XXX for the HOI matching the closing date.
|
12/23/2025
|
Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not
Provided.
|
12/24/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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C
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A
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C
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C
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C
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C
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C
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A
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A
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A
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400000026
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000026
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the attached redisclosure package.
|
12/29/2025
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure
Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of Appraisal Review Fee on CD XX/XX/XXXX
without a valid COC.
|
12/29/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/17/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70.82% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCRE1964
|
Credit
|
Missing income documentation
|
XXX 1120S K-XXX for XXX is missing. Using figures from lender's Final 1003/XXX.
|
This business is only being qualified with a loss. When this is the case, only the personal returns are needed. Please review to clear this condition.
|
12/22/2025
|
Lender using income loss, so Sch K-XXX not needed.
|
12/23/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided The AUS has the incorrect loan amount of XXX In addition, the LTV/CLTV/HCLTV and DTI were increased do the changes to the loan amount
and/or not including REOs into the calculation. Please provide an updated AUS.
|
Document Uploaded. Please see attached, updated AUS to show the rental loss. ; Rental income was used to qualify. The amount we qualified with is $-XXX.
This is a more conservative calculation of DTI. Please confirm what else is needed here. It appears our DTI and Audits DTI are both within qualifying range. ; Document Uploaded. Please see attached updated AUS findings.
|
01/02/2026
|
AUS is not incomplete. An updated AUS was provided and includes the rental loss. DTI is within variance; no issues. Resolved.; Please review the AUS
attached to see that there is NO Negative Rental Income included. Please provide a revised AUS to include the negative rental income.; The AUS attached does not reflect REO rental income from the Sch E, which is not included in DTI
calculation. Please advise. Audit added HOA amount of XXX to per pg XXX to REO Sch E income calculation and revised income = XXX resulting in DTI of XXX%.; AUS Partially Provided
|
01/05/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000003
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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A
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D
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D
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D
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D
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D
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D
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D
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A
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A
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400000003
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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D
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000006
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000006
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000006
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he
revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised
loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a
revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosures dated XX/XX/XXXX and XX/XX/XXXX were mailed and therefore not received by the consumer
XXX business days prior to the consummation date. The defect can be cured by proving evidence showing the consumer received the disclosure XXX business days prior to consummation.
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX disclosed but the tracking item was cancelled when a new
LW was disclosed XX/XX/XXXX at XXX:XXX. This tracking was also cancelled at XX/XX/XXXX when a new LE was disclosed. This LE was viewed/received by the borrower on XX/XX/XXXX:XXX. Please be aware, 'XXX' denotes the time the LE was
viewed/received by the borrower electronically.
|
12/22/2025
|
Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved
|
12/23/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/18/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/19/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/19/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 49.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%
|
C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Appraisal is dated XX/XX/XXXX with a 1004D in file dated XX/XX/XXXX. BAML to confirm this is acceptable since it is
under XXX mos old but over XXX days old.
|
We followed FNMA regarding the dates on the 1004D and original appraisal so this should be fine. The XXX D is a recertification of value showing no decline
|
12/26/2025
|
BAML approved - documents supported by FNMA GLs - condition cleared; In review.
|
12/29/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 49.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%
|
C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is Partially Present. Lender to provide credit report that matches score used of XXX Current credit report is in file but score
doesn't match. Additional conditions may apply.
|
attached is correct credit report
|
12/24/2025
|
Condition cleared as we have received the missing credit report used per the AUS. ; Borrower 1 Credit Report is not partially present.
|
12/26/2025
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 49.02% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%
|
C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/23/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/23/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
400000009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/23/2025
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of
application date XX/XX/XXXX or provide confirmation the lender has no affiliates.
|
Please be advised this is a correspondent loan, the absence of an affiliated business disclosure indicates lender has no affiliated businesses.
|
12/24/2025
|
Required Affiliated Business Disclosure Documentation Provided
|
12/26/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Rescinded
|
finding-3542
|
Compliance
|
Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test
|
Documentation required. This loan failed the revised closing disclosure delivery date test (waiting period required). Changes before consummation on the CD
dated XX/XX/XXXX require a new waiting period. Please provide borrower receipt date for CD dated XX/XX/XXXX This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised
closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery"
or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no
consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new
waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all
changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information
disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives
the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation.
|
Please be advised the initial CD issued on XX/XX/XXXX was acknowledged as shown on the evidentiary document. There was no CD disclosed on XX/XX/XXXX for the
subject property.
|
12/24/2025
|
Invalid; Exception resolved; Invalid; Exception resolved
|
12/26/2025
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
400000008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Rescinded
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
The CD dated XX/XX/XXXX is not acknowledged by the borrower, therefore making the COC invalid, Upon receipt of acknowledgement, the violation of XXX for an
increase from XXX to XXX for discount points may be cured. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne
or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided
disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
COC in file; exception resolved; COC in file; exception resolved
|
12/26/2025
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
400000008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/22/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/23/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/24/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/24/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/23/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/24/2025
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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|||
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400000145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/24/2025
|
Resolved
|
FCRE3606
|
Credit
|
HMDA Data Tape Not Provided
|
Loan is pending HMDA data review. Additional conditions may apply.
|
HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape
Provided.
|
01/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than
Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%
|
C
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A
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C
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A
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C
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A
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B
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/24/2025
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception, evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. File does not contain an Appraisal Waiver.
|
Appraisal receipt form
|
12/26/2025
|
Condition cleared as we have received the appraisal delivery evidence. ; Evidence of appraisal delivery provided.
|
12/29/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than
Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%
|
C
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A
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B
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A
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C
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A
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A
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A
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B
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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/24/2025
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing Documentation required to clear exception, Required Affiliated Business Disclosure Missing
|
Affiliated Disclosure condition
|
12/26/2025
|
Required Affiliated Business Disclosure Documentation Provided
|
12/29/2025
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than
Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%
|
C
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A
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B
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A
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C
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A
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A
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A
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B
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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE1299
|
Credit
|
Income 8 Months Income Verified is Missing
|
Income 8 Months Income Verified is Missing Missing documentation to verify the taxes and insurance for XXX XXX.
|
Document Uploaded. Please see attached, taxes and ins for XXX XXX. Please note, the payment was left higher than the documents required as a conservative
estimate of the DTI.
|
01/08/2026
|
Income 8 Months Income Verified is Present Or Not Applicable
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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400000115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE0382
|
Credit
|
Assets do not meet guideline requirements
|
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Total Reserve Amount Shortage -$XXX.
Per AUS, funds from a Net Equity account are to be utilized. Documentation to support this account was not available.
|
Document Uploaded. Please see attached, settlement Statement to confirm the net equity.
|
01/08/2026
|
Funds are found to meet guidelines.
|
01/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|
|
400000114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCRE1191
|
Credit
|
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than AUS Required Reserves of XXX Per AUS, funds from a Net Equity account are to be utilized. Documentation to support
this account was not available.
|
Please see uploaded document; settlement Statement to confirm net equity
|
01/08/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX
|
01/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
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A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Per AUS, funds from a Net Equity account are to be utilized. Documentation to
support this account was not available.
|
Please see uploaded document, settlement Statement to confirm net equity.
|
01/08/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.
|
01/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
Documentation required to clear exception. The homeownership counseling organizations disclosure provided to the borrower on XX/XX/XXXX was not provided
within XXX days of application date of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations
disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations
disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant
with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan
applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to
§XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as
both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your
settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations.
|
Document Uploaded. Please see attached Counseling organizations dated XX/XX/XXXX as requested.; Please see uploaded document: Initial LE as requested
|
01/12/2026
|
HOC dated within XXX days of the application date; exception resolved; HOC list in file was not dated within XXX days of the application date.
|
01/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The
aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount
of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE and Service provider list issued within XXX business days of the application date of
XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX and service provider list is dated XX/XX/XXXX. Please provide the initial LE and SPL issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will
be completed, once documents are provided.
|
Document Uploaded. Please see attached, SSPL at time of application as requested. ; Please see uploaded document: Initial LE as requested
|
01/12/2026
|
SSPL dated within XXX days of the application date; exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (12
CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more
than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a
third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under
§1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with
§1026.19(e)(1)(vi).; File is missing SSPL dated within XXX days of the application, all fees in section C are tested in the XXX% tolerance category
|
01/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000113
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. The ARM
disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX.
|
Please see uploaded document: Initial LE as requested
|
01/08/2026
|
ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX.
|
01/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the
application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE
is provided.
|
Please see uploaded document: Initial LE as requested
|
01/08/2026
|
Initial XXX provided; Exception resolved; Initial XXX provided; Exception resolved
|
01/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document in file) is missing from the loan file. The
earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Additional conditions may apply. This loan failed the initial loan estimate delivery
date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for
carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a
valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his
calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it
relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings
business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed,
ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the
conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Document Uploaded. Please see uploaded document: Initial LE as requested
|
01/08/2026
|
Initial XXX provided; Exception resolved; Initial XXX provided; Exception resolved
|
01/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
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A
|
A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
Unable to Resolve-Seller acknowledges exception, no change in grading
|
01/07/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
400000110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Rescinded
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
Auditor unable to locate letter from Borrower 2 explaining employment gap from XXX to XXX
|
XXX selling guide did not intend to place minimum employment length guidelines in to the borrowers employment. As of this writing, XXX does not require any
length of time to be XXX to qualify a borrower. In addition, the borrower having a gap in employment does not mean that their current employment is not predictable and stable, it actually doesn't impact their current job at all. The borrower
is currently XXX full-time and there is no reason to suspect it wont continue. Please escalate for this to be cleared as is since there is no requirement for a letter of explanation for use of the income.
|
01/07/2026
|
Employment gap letter is not required.
|
01/08/2026
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
400000110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
400000110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
400000109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he
revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised
loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a
revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing.
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX.
Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically.
|
01/08/2026
|
Revised XXX receipt date provided; Exception resolved; Revised XXX receipt date provided; Exception resolved
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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|||
|
400000107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
A
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A
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A
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A
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||||
|
400000107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
A
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A
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A
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A
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||||
|
400000107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/06/2026
|
A
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A
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A
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||||
|
400000106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/26/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
400000106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
400000106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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|||
|
400000105
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The
lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on LE XX/XX/XXXX to XXX on CD XX/XX/XXXX without a COC. Principle reduction on Final CD of XXX however no evidence in file to indicate
principle reduction was a cure, so did not apply. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The
final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Please be advised the amount provided to the borrower by the lender did not decrease, including the portion of the XXX reduction. Regardless of the cause,
the portion covered by the lender did not decrease.
|
01/08/2026
|
lender confirmed XXX reduction was for lender credit tolerance cure; Exception resolved; lender confirmed XXX reduction was for lender credit tolerance
cure; Exception resolved
|
01/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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|
|
400000105
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000105
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
A
|
A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000103
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/29/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000103
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000103
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
12/30/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/30/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
12/30/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000096
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/27/2025
|
Resolved
|
FCOM1270
|
Compliance
|
ARM Disclosure Not Provided Within 3 Days of Application Date
|
ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). The loan file is missing the ARM disclosure, issued
on XX/XX/XXXX, as evidenced by the Disclosure Tracking Details (pg. XXX-XXX). The loan file only contains an ARM disclosure, dated XX/XX/XXXX, which is more than XXX business days after the application date of XX/XX/XXXX.
|
Document Uploaded. Please see the attached arm disclosure.
|
01/08/2026
|
ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX.
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000096
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FCRE1193
|
Credit
|
Audited DTI Exceeds Guideline DTI
|
Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI - Exceeded guidelines due to taxes calculated at XXX per documentation in file and Lender used XXX
causing DTI of XXX% to exceed guidelines of XXX%
|
The amount calculated by XXX for the next year may be accurate, however the borrower is escrowing and the initial escrow account disclosure Statement shows
that the borrowers escrow payment plus their initial deposit fully pays for the borrowers taxes. The escrow amount monthly that will be charged to the borrower is what should be included in DTI, not what the property taxes / XXX is.
|
01/05/2026
|
Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%
|
01/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000096
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/30/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
12/30/2025
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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A
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A
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCOM1268
|
Compliance
|
ARM Disclosure is Missing
|
ARM Disclosure is Missing.
|
Document Uploaded. Please see the attached signed ARM disclosure.
|
01/08/2026
|
ARM Disclosure is Present or Not Applicable
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 67.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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A
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A
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A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing
|
XXX is Present or Not Applicable
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 67.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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A
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A
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A
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A
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D
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A
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
12/31/2025
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 67.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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A
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A
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A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 67.91% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
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A
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A
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A
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A
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A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000100
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Documentation required: LE is dated XX/XX/XXXX less than XXX days prior to the closing date XX/XX/XXXX. Provide evidence borrower received. This loan failed
the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is
marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and
specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt
date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe
revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor
provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the
disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX.
Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically.
|
01/07/2026
|
Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved
|
01/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
A
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A
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A
|
A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000100
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000100
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%
|
C
|
A
|
A
|
A
|
A
|
A
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A
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A
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C
|
A
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C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
|
A
|
A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
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A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%
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400000095
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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12/31/2025
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Cured
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finding-3634
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Compliance
|
Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
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Document Uploaded. Please see the attached updated cd redisclosure.
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01/13/2026
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Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD,
LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the revised CD dated XX/XX/XXXX without a valid COC. Please provide a
valid COC or cure package.
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01/13/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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C
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B
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C
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B
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A
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A
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A
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B
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A
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400000095
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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01/02/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
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Informational
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01/06/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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C
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B
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A
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B
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B
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A
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B
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400000095
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/02/2026
|
Resolved
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FPRO8998
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Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
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Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
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C
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B
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A
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A
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A
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B
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A
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B
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
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400000093
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCRE8999
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Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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A
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400000093
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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A
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|||
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400000093
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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A
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A
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|||
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400000092
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/02/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender Credit violation in the amount of XXX is due to Lender Credit decrease.
The revised LE dated XX/XX/XXXX, lender credit was XXX with valid COC in file. The Initial CD dated XX/XX/XXXX eliminated the Lender Credit to XXX without a valid COC in file. Please provide a valid COC or cure package.
|
Document Uploaded. Please see the attached package mailed to the borrower.
|
01/13/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
01/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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C
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B
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A
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A
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C
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A
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C
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B
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A
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C
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A
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A
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A
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B
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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400000092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Rescinded
|
FCOM1271
|
Compliance
|
XXX is Missing
|
XXX is Missing Please provide evidence borrower received the XXX.
|
Client provided details as to when booklet was sent ; XXX is Present or Not Applicable
|
01/12/2026
|
C
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B
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A
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A
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A
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A
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C
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A
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C
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B
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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||||
|
400000092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FVAL1563
|
Property
|
Unsupported adjustments or comps
|
Appraisal comp XXX exceeds XXX% gross adjustment (XXX%). Appraiser does not comment. Note: another two of the five comps used exceed XXX% gross adjustments.
|
Please note that FNMA SEL-XXX-XXX (XXX XXX) eliminated the former XXX% line, XXX% net, and XXX% gross adjustment guidelines. As such, referencing those
thresholds as a deficiency is not consistent with current XXX guidance. The adjustments applied in this appraisal do not present a material concern. The C2–C3 condition adjustment of XXX slightly exceeds XXX% but remains below XXX% of the
comparable sale prices to which it is applied and is consistently applied in a downward direction only. Condition is otherwise bracketed by Comparable Sales XXX and XXX which are reported as equal to the subject. The XXX pool adjustment is
bracketed by Comparable Sale XXX and appears to be derived from a supported extraction. No additional significant adjustments are present. The adjustments are supported at face value based on the data provided.
|
01/09/2026
|
Confirmed per FNMA B4-XXX-XXX, Adjustments to Comparable Sales (XX/XX/XXXX) - XXX does not have specific limitations or guidelines XXXd with net or gross
adjustments.
|
01/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
|
C
|
A
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A
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A
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C
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A
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C
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B
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
|
|
400000092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
01/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
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A
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C
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A
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C
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B
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Rescinded
|
finding-47
|
Compliance
|
TILA Right of Rescission Test
|
Documentation required to clear exception: Right of Rescission is missing for both borrowers. It appears this may be a construction to perm loan, however
unable to determine with certainty. Please provide evidence or explanation confirming construction to perm and ROR not required or provide ROR for both both borrowers as well as corrected date of disbursement. Loan closed and disbursed same
day. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third
business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material
disclosures, whichever occurs last.
|
The loan paid off identifies itself as a construction loan (see credit report), and own loan is a permanent financing loan. Per XXX this transaction is not
rescindable as it is considered a continuance of the first transaction.
|
01/09/2026
|
Loan is paying off construction loan; excetion resolved
|
01/12/2026
|
D
|
A
|
C
|
A
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C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. This loan failed the revised
loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as
either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and
specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt
date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe
revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor
provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the
disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see the attached le verification. The XXX stating received is the borrower acknowledging receipt of the document online, and the
outstanding status is the date/time it was created.
|
01/09/2026
|
Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved
|
01/12/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%
|
D
|
A
|
C
|
A
|
C
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A
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A
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A
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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
|
D
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C
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A
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D
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D
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C
|
A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCOM1262
|
Compliance
|
Right of Rescission is Missing
|
Right of Rescission is Missing Documentation required to clear exception: Right of Rescission is missing for both borrowers. It appears this may be a
construction to perm loan, however unable to determine with certainty. Please provide evidence or explanation confirming construction to perm and ROR not required or provide ROR for both both borrowers as well as corrected date of
disbursement.
|
The loan paid off identifies itself as a construction loan (see credit report), and own loan is a permanent financing loan. Per XXX this transaction is not
rescindable as it is considered a continuance of the first transaction.
|
01/09/2026
|
Right of Rescission is Provided
|
01/12/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%
|
D
|
A
|
D
|
A
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C
|
A
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A
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A
|
D
|
A
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D
|
C
|
A
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D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines require XXX months reserves for loans over $1mil.
Assets do not cover the cash to close plus XXX months of reserves.
|
Please include the assets from this non-subject cd which was sold prior to closing, which is allowed to be used as reserves.
|
01/09/2026
|
Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s)
|
01/12/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%
|
D
|
A
|
C
|
A
|
C
|
A
|
A
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A
|
D
|
A
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.
|
Document Uploaded. Please include the assets from this non-subject cd which was sold prior to closing, which is allowed to be used as reserves.
|
01/09/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.
|
01/12/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%
|
D
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%
|
D
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
D
|
A
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D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
C
|
A
|
D
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/02/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the revised CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. This loan failed the charges that
cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is
$XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the attached updated cd redisclosure.
|
01/13/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
01/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The
lender credit decreased on the CD issued XX/XX/XXXX without a valid reason issued within XXX business days of redisclosure. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that
exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the
table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer
does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the cure redisclosure pkg attached
|
01/14/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
01/15/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000083
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000083
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
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400000083
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. B2 Identification document is missing in the file.
|
A photo ID is not required to be documented in the loan file. The co-borrower's information is not on the identity verification form because the co-borrower
was not at closing. The borrower signed on his behalf as attorney-in-fact. The power of attorney document which authorizes her to do so is documented in the loan file.
|
01/09/2026
|
Photo Identification provided.
|
01/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%
|
D
|
A
|
A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000099
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/08/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 56.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000099
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 56.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000099
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV
of 56.03% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000088
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000088
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000088
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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400000085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|||
|
400000085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
400000085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on
job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
400000112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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|||
|
400000112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
|
|||
|
400000112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
|
|||
|
400000082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
|
|||
|
400000082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
|
|||
|
400000082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
|
|||
|
400000108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
A
|
|||
|
400000108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
400000101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 70% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
400000094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCRE1358
|
Credit
|
Borrower 2 W2/1099 Missing
|
Borrower 2 W2/1099 Missing. Missing XXX and XXX W2
|
The borrower is a XXX in the company and does not receive a W2 but a K-XXX where his distributions are paid out. He is less than XXX% XXX and has XXX%
ownership. The K-XXX's required were provided for review. Please review to clear this condition as W2's are not needed.
|
01/20/2026
|
Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX)
|
01/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of
80%
|
D
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A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE dated XX/XX/XXXX at least XXX days prior to closing. This loan
failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery
is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before
the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday
and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate
receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction;
orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the
creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised
version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see attached confirming when the LE was viewed. XXX is the borrower viewing the document.
|
01/20/2026
|
Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved
|
01/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of
80%
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
400000094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of
80%
|
D
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A
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A
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/1099 Missing
|
Borrower 1 W2/1099 Missing. W2's in file are blank. Lender to provide correct documentation to support income.
|
Document Uploaded. XXX W2 uploaded as requested. ; Document Uploaded. Please see attached, W2 as requested.
|
01/21/2026
|
Borrower 1 W2/XXX Provided; Only XXX year W2 attached. AUS requires most recent two-year per or WVOE. Please provide W for XXX or a WVOE.
|
01/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
400000089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.12% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
A
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A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
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A
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A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of
refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: -The Appraisal Fee (payable to the Lender's Affiliate and Service Provider) increased from XXX to XXX on the revised LE dated XX/XX/XXXX.
The file does not contain a valid COC for the increase of this fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see attached CIC for the fee increase. On XX/XX/XXXX a rush fee was approved. This is the CIC for the increase. Please review to
clear this condition.
|
01/29/2026
|
Valid COC provided; exception resolved; Valid COC provided; exception resolved
|
01/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of
XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
400000129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of
refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: -An Appraisal Review Fee of XXX was added to the final CD dated XX/XX/XXXX. The file does not contain a valid COC for the addition of this
fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable
amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant
to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the attached redisclosure.
|
01/29/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
01/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
400000125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time
- Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
400000124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Please provide proof of sufficient
coverage
|
Please refer to page XXX for the replacement cost estimator confirming a cost to rebuild of XXX which matches the dwelling coverage. This is sufficient to
confirm dwelling coverage meets guideline requirements.
|
01/29/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
01/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
|
|
400000124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
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A
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A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
400000124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
400000123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credits that cannot decrease violation in the
amount of XXX is due to decrease from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason may cure the violation.
|
Document Uploaded. Please see the attached package mailed to the borrower to cure the issue.
|
01/29/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
01/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of
the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the
appraisal review fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the violation.
|
Please be advised the appraisal fees were bifurcated on the loan estimate and disclosed a total appraisal fee of XXX The fee was later broken out on the
closing disclosure. The over appraisal fees did not increase over the initially disclosed XXX
|
01/29/2026
|
Lender confirmed appraisal review fee was included with the original disclosed appraisal fee; Exception resolved; Lender confirmed appraisal review fee was
included with the original disclosed appraisal fee; Exception resolved
|
01/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
400000123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
400000122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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400000121
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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400000121
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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|||
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400000121
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
|
A
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|||
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400000120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he
revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven
business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised
loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a
revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing.
|
Document Uploaded. Please see the internal screenshot confirming the borrower acknowledged the LE online on XX/XX/XXXX.
|
01/29/2026
|
Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved
|
01/30/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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|
400000120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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|||
|
400000120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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|||
|
400000119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% A negative income for the XXX for Borrower XXX was not included in the lender's calculation. Documentation was
provided and supports the negative impact - resulting in the higher DTI calculation.
|
Document Uploaded. Please see the attached updated AUS, 1003, and XXX including the self-employment loss for B3.
|
01/29/2026
|
Lender provided UWC in trailing docs showing B3 resigned as XXX and transferred shares to B1 & B2, negative business income for XXX does not apply.;
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
02/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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C
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A
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D
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D
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A
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A
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A
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|
|
400000119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/28/2026
|
Resolved
|
FCRE1193
|
Credit
|
Audited DTI Exceeds Guideline DTI
|
Audited DTI of XXX% exceeds Guideline DTI of XXX% A negative income for the XXX for Borrower XXX was not included in the lender's calculation. Documentation
was provided and supports the negative impact - resulting in the higher DTI calculation.
|
Document Uploaded. Please refer to page XXX confirming XXX resigned as XXX of the corporation, an LOX is not required.; Please disregard the prior response
and updated documentation. B3, XXX, sold his business to the primary Borrower 1XX/XX/XXXX as shown on page XXX and confirmed on page XXX In this case, the business loss does not need to be included in ratios. The XXX returns would not have
been filed and are not required to be by guidelines. The initial underwrite of this loan was accurate and reflected the correct DTI/AUS/1003/XXX.; Please see the attached updated AUS, 1003, and XXX including the self-employment loss for B3.
|
02/02/2026
|
Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Please provide an Letter of explanation from the borrower's regarding the sale of B2's
business to the primary borrower.; Lender provided updated AUS, XXX and 1003 to include negative XXX income for B3 results in higher DTI of XXX% which is greater than Lender guidelines DTI of XXX% Please advise.; Audited DTI of XXX% exceeds
Guideline DTI of XXX%
|
02/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
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A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|
|
400000119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FCOM1231
|
Credit
|
The Initial 1003 is Missing
|
The Initial 1003 is Missing Missing Initial 1003 for borrower and co borrowers
|
Document Uploaded. Please see attached initial 1003 acknowledged by both borrowers.
|
01/29/2026
|
The Initial 1003 is Present
|
01/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
D
|
A
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A
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D
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D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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D
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
400000119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
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A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
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D
|
A
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A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 50% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 28.57% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
400000118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/26/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
01/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 28.57% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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400000118
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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01/28/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
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01/28/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 28.57% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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400000117
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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01/26/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
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Informational
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01/28/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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400000117
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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01/27/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
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01/28/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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400000117
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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01/26/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
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Informational
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01/28/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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