Exception Grades

Run Date - 3/9/2026 1:40:15 PM

SitusAMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Unique Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

15E Category

Exception

Exception Detail

Exception Information

Compensating Factors

Compensating Factor Information

Applying Party

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

DBRS Initial Exception Rating

DBRS Final Exception Rating

Fitch Initial Exception Rating

Fitch Final Exception Rating

Kroll Initial Exception Rating

Kroll Final Exception Rating

Moody's Initial Exception Rating

Moody's Final Exception Rating

S&P Initial Exception Rating

S&P Final Exception Rating

Note Date

Property State

Occupancy

Purpose

Exception Remediation

Overall
Initial Loan Grade

Overall
Final Loan Grade

Credit
Initial Loan Grade

Credit
Final Loan Grade

Compliance
Initial Loan Grade

Compliance
Final Loan Grade

Property
Initial Loan Grade

Property
Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

[redacted]

[redacted]

[redacted]

[redacted]

49606384

34347716

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-8,777.65 exceeds tolerance of $-10,020.00. Insufficient or no cure was provided to the borrower.

Lender credit fee was last disclosed as -$10,578.00 on LE but disclosed as -$8,777.65
on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,800.35, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-10-01): XXXXX


Seller Comment (2025-09-30): XXXXX

10/01/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44360911

34503135

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Amount Financed Test

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX).

Final Closing Disclosure provided on XX/XX/XX)

Reviewer Comment (2025-11-04): XXXXX


Seller Comment (2025-11-03): XXXXX

11/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44360911

34503137

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX).  The disclosed Total of Payments in the amount of $XXX is under disclosed by $1,016.09 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold.

Final Closing Disclosure provided on XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $1,016.09 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold.

Reviewer Comment (2025-11-04): XXXXX


Seller Comment (2025-11-03): XXXXX

11/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions)

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44360911

34503142

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX).

Finance Charge disclosed is $XXX. Calculated finance charge is $XXX.  Variance of $66.09.  Based on review of Lender's compliance report, fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable.

Reviewer Comment (2025-11-04): XXXXX


Seller Comment (2025-11-03): XXXXX

11/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Refinance - Rate/Term

TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44360911

34512207

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

09/25/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41795231

34768655

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are underdisclosed

Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed.

Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-10-22): XXXXX

11/17/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

41795231

34768657

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established.

Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established.

Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX

11/17/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Second Home

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

41795231

34772121

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

10/23/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Second Home

Purchase

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44244042

34710406

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2025-12-17): XXXXX

10/15/2025

2

B

B

B

B

B

B

B

B

B

B

NM

Primary

Refinance - Cash-out - Other

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44244042

34710433

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Right to Cancel was issued on incorrect form.  TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-8 Form must be used as lender is not the same as originating lender.

Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-05): XXXXX

11/06/2025

2

C

B

C

B

C

B

C

B

C

B

NM

Primary

Refinance - Cash-out - Other

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44244042

34710445

Compliance

Compliance

Federal Compliance

ATR/QM Defect

QM Points and Fees XXXXX

Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or XXXX%).

QM Points and Fees threshold exceeded by $XXX or XXX%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations.

Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/06/2025

1

C

A

C

A

C

A

C

A

C

A

NM

Primary

Refinance - Cash-out - Other

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44244042

34710450

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Final LE is required to be received by borrower at least 1 day prior to Initial CD.  Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received.  Evidence of earlier receipt of LE was not located in file.

Reviewer Comment (2025-10-16): XXXXX


Seller Comment (2025-10-16): XXXXX

10/16/2025

1

C

A

C

A

C

A

C

A

C

A

NM

Primary

Refinance - Cash-out - Other

No Defined Cure

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44244042

34710454

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.

Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/06/2025

1

B

A

C

A

B

A

C

A

B

A

NM

Primary

Refinance - Cash-out - Other

Lender to provide updated ATR/QM status

C

B

B

B

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

43283510

34785505

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

HOA/Condo Questionnaire was last disclosed as $0.00 on LE but disclosed as $150.00 in Final Closing Disclosure. File does not contain a valid COC for this fee; Sufficient or Excess cure was provided to the borrower at closing.

Reviewer Comment (2025-10-23): XXXXX

10/23/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Second Home

Refinance - Rate/Term

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42106372

34674341

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

10/10/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44763824

34805712

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

10/29/2025

2

B

B

B

B

B

B

B

B

B

B

NC

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42548755

34787287

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

10/27/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42548755

34787288

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

10/27/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42548755

34787289

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

Reviewer Comment (2025-10-28): XXXXX


Seller Comment (2025-10-28): XXXXX

10/28/2025

1

B

A

B

A

B

A

B

A

B

A

TX

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42548755

34787312

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-10-29): XXXXX


Seller Comment (2025-10-28): XXXXX

10/29/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

No Defined Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42548755

34787348

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $7,307.90 exceeds tolerance of $4,377.00.  $2,930.90 over legal limit.  Insufficient or no cure was provided to the borrower.

Loan Discount Points was last disclosed as $4,377.00 on LE but disclosed as $7,307.90 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2,930.90, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-11-19): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-10-29): XXXXX


Seller Comment (2025-10-28): XXXXX

11/19/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

47276192

34920293

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

11/10/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Purchase

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35636359

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

01/29/2026

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35636509

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $21,615.16 exceeds tolerance of $0.00.  $21,615.16 over legal limit.  Insufficient or no cure was provided to the borrower.

Loan Discount Points Fee was last disclosed as $0.00 on LE but disclosed as $21,615.16 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $21,615.16, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-02-04): XXXXX


Seller Comment (2026-02-03): XXXXX


Reviewer Comment (2026-02-02): XXXXX


Seller Comment (2026-01-30): XXXXX

02/04/2026

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35637553

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $955.00 exceeds tolerance of $850.00.  $105.00 over legal limit.  Insufficient or no cure was provided to the borrower.

Appraisal Fee was last disclosed as $850.00 on LE but disclosed as $955.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $105.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-02-02): XXXXX


Seller Comment (2026-01-30): XXXXX

02/02/2026

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35637554

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $165.00 exceeds tolerance of $70.00.  $95.00 over legal limit.  Insufficient or no cure was provided to the borrower.

Credit Report Fee was last disclosed as $70.00 on LE but disclosed as $165.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $95.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2026-02-02): XXXXX


Seller Comment (2026-01-30): XXXXX

02/02/2026

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35717181

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $955.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-02-04): XXXXX

02/04/2026

1

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42233562

35717182

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $165.00 exceeds tolerance of $70.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2026-02-04): XXXXX

02/04/2026

1

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

B

B

B

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870017

Credit

Income / Employment

Income Documentation

Income / Employment

Income Docs Missing:

-

K-1 (XXXXX), Royalty Agreement  Income Docs Missing:

Reviewer Comment (2026-01-27): XXXXX


Reviewer Comment (2025-12-12): XXXXX


Seller Comment (2025-12-11): XXXXX


Reviewer Comment (2025-12-02): XXXXX


Seller Comment (2025-12-01): XXXXX


Reviewer Comment (2025-11-28): XXXXX


Seller Comment (2025-11-26): XXXXX


Reviewer Comment (2025-11-11): XXXXX


Seller Comment (2025-11-10): XXXXX

01/27/2026

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870072

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Employment - Schedule C

General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.

verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXXX/Schedule C)

Reviewer Comment (2025-11-14): XXXXX


Seller Comment (2025-11-10): XXXXX

11/14/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870074

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX.

verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXXX/Schedule C)

11/05/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870083

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. (Final/XX/XX/XX)

Reviewer Comment (2025-11-18): XXXXX


Seller Comment (2025-11-14): XXXXX


Reviewer Comment (2025-11-11): XXXXX


Seller Comment (2025-11-10): XXXXX

11/18/2025

2

C

B

C

B

C

B

C

B

C

B

TX

Primary

Refinance - Rate/Term

Letter of Explanation & Corrected Closing Disclosure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870084

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-11-07): XXXXX


Seller Comment (2025-11-06): XXXXX

11/07/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

No Defined Cure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44097818

34870085

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee.  Fee Amount of $3,490.00 exceeds tolerance of $0.00.  $3,490.00 over legal limit.  Insufficient or no cure was provided to the borrower.

Rate Lock Fee was last disclosed as $00.00 on LE but disclosed as $3,490.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $3,490.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-11-07): XXXXX


Seller Comment (2025-11-06): XXXXX

11/07/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

48957998

34937044

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

11/11/2025

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

48967172

35062835

Credit

Income / Employment

Income Documentation

Missing Document

REO Documents are missing.

-

XXXXX copy of Insurance Verification, Tax Verification is missing.

Reviewer Comment (2025-12-05): XXXXX


Seller Comment (2025-12-04): XXXXX


Reviewer Comment (2025-12-03): XXXXX


Seller Comment (2025-12-02): XXXXX

12/05/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

48967172

35062880

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

11/26/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Purchase

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

48967172

35112178

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $117.00 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-11-26): XXXXX

11/26/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Purchase

Final CD evidences Cure

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844513

Compliance

Compliance

Federal Compliance

Federal HPML

Federal HPML XXXXX Compliant

Federal Higher-Priced Mortgage Loan: APR on subject loan of XX% or Final Disclosure APR of XXX% is equal to or greater than the threshold of APOR 6.31% + 2.5%, or 8.81000%.  Compliant Higher Priced Mortgage Loan.

APR on subject loan of XX% or Final Disclosure APR of XXX% is equal to or greater than the threshold of APOR 6.31% + 2.5%, or 8.81000%. Compliant Higher Priced Mortgage Loan.

Reviewer Comment (2025-11-20): XXXXX

11/20/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844514

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee)

Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and XXXXX not be found in the file for loans that have not been previously sold)

HOEPA Assignment Notice is not located in file.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844516

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided)

Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower

Total fees financed by lender exceed permitted threshold.  HOEPA Disclosure is not located in file.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844517

Compliance

Compliance

Federal Compliance

Federal Defect

(Fed High Cost) Federal High-Cost Mortgage Loan (Stated APR)

Truth in Lending Act (High-Cost Mortgage): Final Closing Disclosure APR Threshold is exceeded by XXX%. Final Closing Disclosure APR of XXX% exceeds a threshold of 12.81000% based on the Average Prime Offer Rate for comparable maturities of 6.31000% plus jurisdiction allowable margin of 6.50000%.  Non-Compliant High Cost Loan.

Final Closing Disclosure APR Threshold is exceeded by XXX %. Final Closing Disclosure APR of XXX% exceeds a threshold of 12.81000% based on the Average Prime Offer Rate for comparable maturities of 6.31000% plus jurisdiction allowable margin of 6.50000%. Non-Compliant High Cost Loan.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

Provide the following: Letter of Explanation, corrected TIL/PCCD reflecting the accurate APR and proof of delivery.

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844518

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge)

Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days.

Total fees financed by lender exceed permitted threshold.  Late charge exceeds max of 4% of amount past due and/or grace period of 15 days.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844519

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement)

Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.

Total fees financed by lender exceed permitted threshold.  Pre-Loan Counseling status if not located in file.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844521

Compliance

Compliance

Federal Compliance

RESPA

RESPA -  Initial Escrow Account Statement Missing

RESPA: Initial escrow account statement was not provided to the borrower.

Initial escrow account statement was not provided to the borrower.

Reviewer Comment (2025-11-06): XXXXX

11/06/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844522

Compliance

Compliance

State Compliance

State HPML

(State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold)

XXXXX Higher-Priced Loan: APR on subject loan of XXX% or Final Disclosure APR of XXX% is equal to or greater than the threshold of APOR 6.31% + 2.5%, or 8.81000%.  Compliant Higher Priced Loan.

APR on subject loan of XXX% or Final Disclosure APR of XXX% is equal to or greater than the threshold of APOR 6.31% + 2.5%, or 8.81000%. Compliant Higher Priced Loan

Reviewer Comment (2025-11-20): XXXXX

11/20/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

The cure available on a CA HPML loan is dependent upon which prohibited practice is violated.  For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured.  For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:

Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.

(Limited Use Bona Fide Errors - Compliance and Client Approval Required)  Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant;  (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49593781

34844529

Compliance

Legal / Regulatory / Compliance

Anti-Predatory Violation

Federal Defect

(Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees)

Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.

Total fees financed by lender is $6,142.69.  Threshold maximum is $5,014.89.  Lender HOEPA threshold calculation, per compliance report, did not reduce 4c7 fees from Finance Charge as required resulting in false higher threshold calculation.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-17): XXXXX


Seller Comment (2025-11-13): XXXXX


Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-04): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

47160875

34984428

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

11/18/2025

2

B

B

B

B

B

B

B

B

B

B

DE

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

47160875

34984430

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-11-20): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

DE

Primary

Refinance - Rate/Term

No Defined Cure

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

47160875

34984474

Credit

Loan Package Documentation

Application / Processing

Missing Document

Missing Document: AUS not provided

The file was missing a copy of AUS.

Reviewer Comment (2025-11-19): XXXXX

11/19/2025

1

C

A

C

A

C

A

C

A

C

A

DE

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

47160875

34986938

Credit

Hazard Insurance

Insufficient Coverage

Hazard Insurance

The Hazard Insurance Policy Effective Date is after closing.

The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX.  Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.

Reviewer Comment (2025-11-24): XXXXX

11/24/2025

1

C

A

C

A

C

A

C

A

C

A

DE

Primary

Refinance - Rate/Term

C

B

C

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41601270

35356111

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Commitment in file.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

01/12/2026

2

B

B

B

B

B

B

B

B

B

B

IL

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42129740

34925035

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Self-Employed Tax Return Recency - QM

General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX.

The file is missing the XXXXX personal and business tax returns. Evidence of extension provided in file for XXXXX.The file contained a copy of the XXXXX 1040's and business returns.

11/10/2025

2

B

B

B

B

B

B

B

B

B

B

AZ

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

42129740

34925037

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $123.60 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-11-06): XXXXX

11/06/2025

1

A

A

A

A

A

A

A

A

A

A

AZ

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

41612389

34925462

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-11-12): XXXXX


Seller Comment (2025-11-11): XXXXX

11/12/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Refinance - Rate/Term

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44434847

35066162

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XX are underdisclosed

Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed .

Reviewer Comment (2025-12-04): XXXXX


Seller Comment (2025-12-03): XXXXX


Reviewer Comment (2025-11-25): XXXXX

12/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44434847

35066163

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2025-12-04): XXXXX


Seller Comment (2025-12-03): XXXXX

12/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44434847

35066164

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Final Closing Disclosure Will Not Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account.

Reviewer Comment (2025-12-04): XXXXX


Seller Comment (2025-12-03): XXXXX

12/04/2025

2

C

B

C

B

C

B

C

B

C

B

CA

Primary

Purchase

Letter of Explanation & Corrected Closing Disclosure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44434847

35066165

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-13,874.40 exceeds tolerance of $-13,987.00. Insufficient or no cure was provided to the borrower.

Lender Credits Fee was last disclosed as -$13,987 on LE but disclosed as -$13,874.40 on Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.

Reviewer Comment (2025-12-04): XXXXX


Seller Comment (2025-12-03): XXXXX

12/04/2025

1

C

A

C

A

C

A

C

A

C

A

CA

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

43149791

35072677

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

12/01/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41770650

35073854

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

11/28/2025

2

B

B

B

B

B

B

B

B

B

B

MA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41770650

35149550

Compliance

Compliance

Federal Compliance

TRID

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $570.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-12-03): XXXXX

12/03/2025

1

A

A

A

A

A

MA

Primary

Purchase

Final CD evidences Cure

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44209198

35127733

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Interim Closing Disclosure Timing Regular APR Change

TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Corrected Closing Disclosure issued on XX/XX/XX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.

Reviewer Comment (2025-12-24): XXXXX


Seller Comment (2025-12-23): XXXXX

12/24/2025

1

C

A

C

A

C

A

C

A

C

A

SC

Primary

Refinance - Rate/Term

No Defined Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44209198

35172538

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $645.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-12-08): XXXXX

12/08/2025

1

A

A

A

A

A

SC

Primary

Refinance - Rate/Term

Final CD evidences Cure

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

47058660

34862578

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification of appraisal was delivered to borrower was not provided.

11/04/2025

2

B

B

B

B

B

B

B

B

B

B

MA

Primary

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

40197576

35108043

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $725.00.  Sufficient or excess cure was provided to the borrower at Closing.

Appraisal Fee was last disclosed as $725.00 on LE but disclosed as $900.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-11-26): XXXXX

11/26/2025

1

A

A

A

A

A

A

A

A

A

A

FL

Primary

Purchase

Final CD evidences Cure

A

A

A

A

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42768914

35060276

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $92.70 exceeds tolerance of $90.00.  $2.70 over legal limit.  Insufficient or no cure was provided to the borrower.

Second Appraisal Fee was last disclosed as $90.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-12-16): XXXXX


Seller Comment (2025-12-15): XXXXX

12/16/2025

2

C

B

C

B

C

B

C

B

C

B

PA

Primary

Refinance - Rate/Term

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

42768914

35071632

Compliance

Compliance

Federal Compliance

TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)

Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.  Rescission Notice provided on an exempt transaction (no new money being extended on a same lender refinance).

Right to Cancel was issued on incorrect form.  TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender.

Reviewer Comment (2025-12-17): XXXXX


Seller Comment (2025-12-15): XXXXX

12/17/2025

1

A

A

A

A

A

A

A

A

A

A

PA

Primary

Refinance - Rate/Term

TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

44553158

35038644

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.

Verification appraisal was delivered to borrower was not provided.

11/25/2025

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44553158

35038691

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

11/25/2025

2

B

B

B

B

B

B

B

B

B

B

CO

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41459140

35169127

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

12/09/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41459140

35169129

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Revised Loan Estimate Timing Before Closing Test

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-12-11): XXXXX


Seller Comment (2025-12-10): XXXXX

12/11/2025

1

B

A

B

A

B

A

B

A

B

A

CA

Primary

Refinance - Rate/Term

No Defined Cure

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41459140

35169145

Credit

Title

Document Error

Title

The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.

The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

12/09/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41459140

35177705

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $198.75 exceeds tolerance of $195.00.  Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-12-08): XXXXX

12/08/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

B

B

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

41509202

35063966

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

11/26/2025

2

B

B

B

B

B

B

B

B

B

B

TX

Primary

Refinance - Rate/Term

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

41509202

35063968

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.

Evidence of earlier borrower receipt was not found in file.

Reviewer Comment (2025-12-02): XXXXX

12/02/2025

1

C

A

C

A

C

A

C

A

C

A

TX

Primary

Refinance - Rate/Term

No Defined Cure

C

B

A

A

C

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49308480

35071694

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

11/28/2025

2

B

B

B

B

B

B

B

B

B

B

ID

Second Home

Purchase

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44761883

35040346

Compliance

Compliance

Federal Compliance

ECOA

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.

Verification appraisal was delivered to borrower was not provided.

11/25/2025

2

B

B

B

B

B

B

B

B

B

B

WA

Primary

Refinance - Rate/Term

B

B

A

A

B

B

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44166920

35119047

Credit

Title

General

Title

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.

The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.

Final Title Policy will be provided as a trailing document.

Final Title Policy will be provided as a trailing document

SitusAMC,Aggregator

Reviewer Comment (2026-02-18): XXXXX

12/02/2025

2

B

B

B

B

B

B

B

B

B

B

CA

Primary

Refinance - Rate/Term

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

44166920

35119539

Compliance

Compliance

Federal Compliance

TRID

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $150.80 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.

Credit Report Fee was last disclosed as $150.00 on LE but disclosed as $150.80 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing.

Reviewer Comment (2025-11-28): XXXXX

11/28/2025

1

A

A

A

A

A

A

A

A

A

A

CA

Primary

Refinance - Rate/Term

Final CD evidences Cure

B

B

B

B

A

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49011886

34863238

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,930.34 exceeds tolerance of $1,495.00.  $11,435.34 over legal limit.  Insufficient or no cure was provided to the borrower.

Loan discount points fee was disclosed as $1,495.00 on LE but disclosed as $12,930.34 in Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file.  Provide a post-close CD disclosing the tolerance cure to include $11,435.34, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-05): XXXXX

11/06/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49011886

34863239

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $1,495.00 exceeds tolerance of $0.00.  $1,495.00 over legal limit.  Insufficient or no cure was provided to the borrower.

Loan origination fee was disclosed as $0.00 on LE but disclosed as $1,495.00 in Final Closing Disclosure.  File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,495.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Reviewer Comment (2025-11-06): XXXXX


Seller Comment (2025-11-05): XXXXX

11/06/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49011886

34863268

Compliance

Compliance

Federal Compliance

ATR/QM Defect

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.

Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.

Reviewer Comment (2025-11-20): XXXXX

11/20/2025

1

B

A

C

A

B

A

C

A

B

A

IL

Primary

Purchase

Lender to provide updated ATR/QM status

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

Yes

[redacted]

[redacted]

[redacted]

[redacted]

49011886

34863269

Compliance

Compliance

Federal Compliance

ATR/QM Defect

General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines

General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.14482% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.)

The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 51.26117% moderately exceeds the guideline maximum of 50.00%.

Reviewer Comment (2025-11-20): XXXXX


Seller Comment (2025-11-18): XXXXX


Reviewer Comment (2025-11-18): XXXXX


Seller Comment (2025-11-12): XXXXX

11/20/2025

1

C

A

C

A

C

A

C

A

C

A

IL

Primary

Purchase

C

A

C

A

C

A

A

A

Safe Harbor QM (APOR)

Safe Harbor QM (APOR)

No

[redacted]

[redacted]

[redacted]

[redacted]

49011886

34863270

Compliance

Compliance

Federal Compliance

TRID Defect

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely XXXXX result in additional fee tolerance violations.

Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application.