|
Seller
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Alt Loan ID
|
Queue
|
Created Date
|
Last Modified Date
|
Finding Status
|
Event Level
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Reviewer Comments
|
Seller Comments
|
Finding Resolution
|
Finding Document
|
Reviewer Comp Factors
|
Originator Comp Factors
|
State
|
Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Unique Finding ID
|
Acknowledged / Waived By
|
Waiver in File?
|
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026063
|
Closed
|
2025-09-16 10:39
|
2025-10-03 06:36
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
ECOA: Appraisal Disclosure Not Provided Timely
|
Resolved-Received Appraisal Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
Ready for Review-Document Uploaded. - Seller-10/02/2025
Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application
Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/16/2025
|
Ready for Review-Document Uploaded. - Seller-10/02/2025
|
Resolved-Received Appraisal Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
|
Appraisal.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
5553958
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026063
|
Closed
|
2025-09-16 10:31
|
2025-10-03 06:36
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application
|
Resolved-Received initial LE dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
Ready for Review-Document Uploaded. - Seller-10/02/2025
Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-09/16/2025
Open- - Due Diligence Vendor-09/19/2025
Open- - Due Diligence Vendor-09/19/2025
Open- - Due Diligence Vendor-09/16/2025
|
Ready for Review-Document Uploaded. - Seller-10/02/2025
|
Resolved-Received initial LE dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
|
XXXXXX XXXXXXXXXX LE response.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
5553722
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026063
|
Closed
|
2025-09-16 10:31
|
2025-10-03 06:36
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Homeownership Counseling Disclosure Delivery
|
Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
Ready for Review-Document Uploaded. - Seller-10/02/2025
Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three
business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant
with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all
agencies. - Due Diligence Vendor-09/16/2025
Open- - Due Diligence Vendor-09/19/2025
Open- - Due Diligence Vendor-09/19/2025
Open- - Due Diligence Vendor-09/16/2025
|
Ready for Review-Document Uploaded. - Seller-10/02/2025
|
Resolved-Received Homeownership Counseling Disclosure dated within 3 days of application. Condition cleared. - Due Diligence Vendor-10/03/2025
Resolved- - Due Diligence Vendor-10/03/2025
|
Counseling.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
5553721
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026063
|
Closed
|
2025-09-22 12:11
|
2025-09-22 12:23
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/22/2025
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-09/22/2025
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/22/2025
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
5621388
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026064
|
Closed
|
2025-09-23 12:45
|
2025-10-14 10:18
|
Cured
|
2 - Non-Material
|
Compliance
|
Tolerance:FinanceCharge
|
Federal - Finance Charge Disclosure Tolerance (Closed End)
|
Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a
B for all agencies. - Due Diligence Vendor-10/14/2025
Ready for Review-Document Uploaded. - Seller-10/13/2025
Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($X,XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The
Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge - Due Diligence Vendor-09/23/2025
Open- - Due Diligence Vendor-09/23/2025
Open- - Due Diligence Vendor-09/23/2025
Open- - Due Diligence Vendor-09/23/2025
Open- - Due Diligence Vendor-09/23/2025
Open- - Due Diligence Vendor-09/23/2025
|
Ready for Review-Document Uploaded. - Seller-10/13/2025
|
Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a
B for all agencies. - Due Diligence Vendor-10/14/2025
|
XXXXXXX XXXXXXXXXXX cure.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
5638206
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026064
|
Closed
|
2025-09-24 09:20
|
2025-09-24 12:36
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/24/2025
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-09/24/2025
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-09/24/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
5651420
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026080
|
Closed
|
2025-11-26 09:04
|
2026-01-07 08:41
|
Waived
|
2 - Non-Material
|
Property
|
Property
|
Ineligible Property
|
Waived-Waived by Investor. - Due Diligence Vendor-01/07/2026
Open-Guidelines do not allow properties zoned agricultural with over 5 acres. - Due Diligence Vendor-11/26/2025
|
XX is ok to waive this exception - 01/07/2026
|
Waived-Waived by Investor. - Due Diligence Vendor-01/07/2026
|
DTI 28%; FICO 744; Cash Reserves $184k
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6399412
|
Investor Post-Close
|
No
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026080
|
Closed
|
2025-11-26 09:26
|
2025-12-09 15:17
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing evidence of sale of other property owned (REO)
|
Resolved-Received certified Final Seller's Statement. Condition cleared. - Due Diligence Vendor-12/09/2025
Ready for Review-Document Uploaded. - Seller-12/09/2025
Open-Final Hud-1, Closing documents, or other evidence of sale from property listed in position 2 on the application evidencing liens paid was not provided.
HUD-1 provided was not signed. - Due Diligence Vendor-11/26/2025
|
Ready for Review-Document Uploaded. - Seller-12/09/2025
|
Resolved-Received certified Final Seller's Statement. Condition cleared. - Due Diligence Vendor-12/09/2025
|
XXXXXXX XXXXXXXXXXX Settlement Statement.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6400048
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026080
|
Closed
|
2025-11-26 09:39
|
2025-12-01 15:46
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-12/01/2025
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-11/26/2025
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-12/01/2025
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6400345
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026119
|
Closed
|
2026-01-27 16:13
|
2026-01-30 13:17
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/30/2026
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/27/2026
|
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/30/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7320132
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026077
|
Closed
|
2025-11-21 12:21
|
2025-12-17 17:55
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Insurance
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Acknowledged-Acknowledged by Client. - Due Diligence Vendor-12/17/2025
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is on or prior to the
Disbursement Date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025
|
Acknowledged-Acknowledged by Client. - Due Diligence Vendor-12/17/2025
|
FICO 780; CLTV/LTV XXX%; Reserves $866k
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6344910
|
Investor Post-Close
|
No
|
|||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026077
|
Closed
|
2025-11-21 12:44
|
2025-12-04 10:18
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That In Total Cannot Increase More Than 10% Test (50001258)
|
Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/04/2025
Resolved-Resolved - Due Diligence Vendor-12/04/2025
Ready for Review-Document Uploaded. - Seller-12/04/2025
Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of
($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to
an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new
fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $XXX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XXX. The loan file did not
contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due
Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
|
Ready for Review-Document Uploaded. - Seller-12/04/2025
|
Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/04/2025
Resolved-Resolved - Due Diligence Vendor-12/04/2025
|
XXXXXXX XXXXXXXXXXX COC.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6345255
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026077
|
Closed
|
2025-11-21 12:44
|
2025-12-04 10:18
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That In Total Cannot Increase More Than 10% Test (50001257)
|
Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/04/2025
Resolved-Resolved - Due Diligence Vendor-12/04/2025
Ready for Review-Document Uploaded. - Seller-12/04/2025
Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in
the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of
a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR
1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $XXX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XXX. The loan file did not contain a valid COC to support the increase.
No evidence of a tolerance cure was provided in file. A tolerance cure of ($XX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
Open- - Due Diligence Vendor-11/21/2025
|
Ready for Review-Document Uploaded. - Seller-12/04/2025
|
Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/04/2025
Resolved-Resolved - Due Diligence Vendor-12/04/2025
|
XXXXXXX XXXXXXXXXXX COC.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6345257
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026071
|
Closed
|
2025-11-20 12:07
|
2025-11-20 12:15
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-11/20/2025
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. -
Due Diligence Vendor-11/20/2025
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-11/20/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6328707
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026072
|
Closed
|
2025-11-22 06:15
|
2025-12-01 06:38
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
AUS Partially Provided
|
Resolved-Received complete copy of the most recent submission of AUS dated XX/XX/XXXX, submission #9. Condition cleared. - Due Diligence Vendor-12/01/2025
Resolved-AUS is not partially present - Due Diligence Vendor-12/01/2025
Ready for Review-Document Uploaded. - Seller-11/29/2025
Open-AUS Partially Provided The loan file is missing a complete copy of the most recent submission of AUS dated 11/05/2025, submission #9 - Due Diligence
Vendor-11/22/2025
|
Ready for Review-Document Uploaded. - Seller-11/29/2025
|
Resolved-Received complete copy of the most recent submission of AUS dated XX/XX/XXXX, submission #9. Condition cleared. - Due Diligence Vendor-12/01/2025
Resolved-AUS is not partially present - Due Diligence Vendor-12/01/2025
|
XXXXXXX XXXXXXXXXXX AUS.pdf
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6353893
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026068
|
Closed
|
2025-11-19 09:00
|
2025-11-20 12:14
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-11/20/2025
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-11/19/2025
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-11/20/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6303652
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026078
|
Closed
|
2025-11-21 09:29
|
2025-12-17 18:00
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Insurance
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/18/2025
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is prior to the
disbursement date. - Due Diligence Vendor-11/21/2025
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/18/2025
|
FICO 785; Reserves $210k; Residual Income $14k
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6340175
|
Investor Post-Close
|
No
|
|||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026117
|
Closed
|
2026-01-29 15:46
|
2026-01-29 15:48
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/29/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. -
Due Diligence Vendor-01/29/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/29/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7359909
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026132
|
Closed
|
2026-01-27 12:09
|
2026-01-27 12:10
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/27/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies. -
Due Diligence Vendor-01/27/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/27/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7316060
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026095
|
Closed
|
2026-01-19 09:06
|
2026-02-20 03:59
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by investor. - Due Diligence Vendor-01/20/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/20/2026
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/19/2026
|
Acknowledged-Acknowledged by investor. - Due Diligence Vendor-01/20/2026
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. -
Due Diligence Vendor-01/19/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7164628
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026106
|
Closed
|
2026-01-09 07:22
|
2026-01-23 12:04
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The loan file documents a copy of the appraisal being provided to the borrowers
on XX/XX/XXXX. The effective date of the most recent appraisal is XX/XX/XXXX and the XXX signed this report on XX/XX/XXXX. File is missing evidence of the most recent appraisal being provided to the borrowers. This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7002291
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026099
|
Closed
|
2026-01-09 08:34
|
2026-01-09 15:11
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Client - Due Diligence Vendor-01/09/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/09/2026
|
Acknowledged-Acknowledged by Client - Due Diligence Vendor-01/09/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7004107
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026097
|
Closed
|
2026-01-02 10:13
|
2026-01-19 06:17
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Citizenship Documentation Not Provided
|
Resolved-Received Patriot Act Disclosure for both borrowers who are US Citizens. Condition cleared. - Due Diligence Vendor-01/19/2026
Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-01/03/2026
|
Resolved-Received Patriot Act Disclosure for both borrowers who are US Citizens. Condition cleared. - Due Diligence Vendor-01/19/2026
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6894835
|
N/A
|
N/A
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026097
|
Closed
|
2026-01-02 10:13
|
2026-01-19 06:17
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Citizenship Documentation Not Provided
|
Resolved-Received Patriot Act Disclosure for both borrowers who are US Citizens. Condition cleared. - Due Diligence Vendor-01/19/2026
Ready for Review-Document Uploaded. Per the 1003 both borrowers are US Citizens. The closing agent is responsible for verifying borrower identities, please see
USA Patriot Act forms attached. - Seller-01/16/2026
Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/03/2026
|
Ready for Review-Document Uploaded. Per the 1003 both borrowers are US Citizens. The closing agent is responsible for verifying borrower identities, please see
USA Patriot Act forms attached. - Seller-01/16/2026
|
Resolved-Received Patriot Act Disclosure for both borrowers who are US Citizens. Condition cleared. - Due Diligence Vendor-01/19/2026
|
XXXXXXX XXXXXXXXXXX USA Patriot Act Forms.pdf
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6894834
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026097
|
Closed
|
2026-01-02 10:33
|
2026-01-19 06:16
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrower Identification - Borrower 2
|
Resolved-Received Patriot Act Disclosure for both borrowers. Condition cleared. - Due Diligence Vendor-01/19/2026
Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/19/2026
Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-01/03/2026
|
Resolved-Received Patriot Act Disclosure for both borrowers. Condition cleared. - Due Diligence Vendor-01/19/2026
Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/19/2026
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6896044
|
N/A
|
N/A
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026097
|
Closed
|
2026-01-02 10:33
|
2026-01-19 06:16
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrower Identification - Borrower 1
|
Resolved-Received Patriot Act Disclosure for both borrowers. Condition cleared. - Due Diligence Vendor-01/19/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/19/2026
Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/03/2026
|
Resolved-Received Patriot Act Disclosure for both borrowers. Condition cleared. - Due Diligence Vendor-01/19/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/19/2026
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6896043
|
N/A
|
N/A
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026092
|
Closed
|
2026-01-19 14:48
|
2026-02-02 10:15
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That In Total Cannot Increase More Than 10% Test (50001258)
|
Resolved-Received PCCD with corrected fees. Condition cleared. - Due Diligence Vendor-02/02/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Open- - Due Diligence Vendor-01/19/2026
Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of
($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee). Any increase to an existing fee
and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR
1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-01/19/2026
Open- - Due Diligence Vendor-01/19/2026
|
Ready for Review-Document Uploaded. - Seller-01/30/2026
|
Resolved-Received PCCD with corrected fees. Condition cleared. - Due Diligence Vendor-02/02/2026
|
XXXXXXX XXXXXXXXXXX PCCD.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7170108
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026092
|
Closed
|
2026-01-19 14:48
|
2026-02-02 10:15
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That In Total Cannot Increase More Than 10% Test (50001257)
|
Resolved-Received PCCD with corrected fees. Condition cleared. - Due Diligence Vendor-02/02/2026
Ready for Review-Document Uploaded. - Seller-01/30/2026
Open- - Due Diligence Vendor-01/19/2026
Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in
the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee). Any increase to an existing fee and/or the addition of a new fee that
causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR
1026.19(e)(3)(iv)). - Due Diligence Vendor-01/19/2026
Open- - Due Diligence Vendor-01/19/2026
|
Ready for Review-Document Uploaded. - Seller-01/30/2026
|
Resolved-Received PCCD with corrected fees. Condition cleared. - Due Diligence Vendor-02/02/2026
|
XXXXXXX XXXXXXXXXXX PCCD.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7170109
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026092
|
Closed
|
2026-01-19 15:44
|
2026-01-28 11:17
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/28/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
<<Appraiser_Signature_Date>> is after the Primary Appraisal Delivery Date of << Appraisal_Delivery_Date>>. - Due Diligence Vendor-01/19/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/28/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7170563
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026085
|
Closed
|
2026-01-07 12:17
|
2026-01-07 20:25
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/08/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/07/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/08/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6965024
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026131
|
Closed
|
2026-01-27 12:50
|
2026-01-27 12:51
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/27/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. -
Due Diligence Vendor-01/27/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/27/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7316841
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026133
|
Closed
|
2026-01-27 12:16
|
2026-01-27 12:17
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/27/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other agencies.
- Due Diligence Vendor-01/27/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/27/2026
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <1% of Loan Amount or $2000
|
7316235
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026102
|
Closed
|
2026-01-21 19:26
|
2026-01-21 19:27
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/22/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.
- Due Diligence Vendor-01/22/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/22/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7229791
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026107
|
Closed
|
2026-01-22 08:09
|
2026-01-22 16:44
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-01/22/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. -
Due Diligence Vendor-01/22/2026
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-01/22/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7239715
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026127
|
Closed
|
2026-01-29 12:53
|
2026-01-29 12:53
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/29/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and A for all other Agencies.
- Due Diligence Vendor-01/29/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/29/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7356833
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026123
|
Closed
|
2026-01-28 15:18
|
2026-01-28 15:19
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/28/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.
- Due Diligence Vendor-01/28/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/28/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7339204
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026125
|
Closed
|
2026-01-26 05:49
|
2026-01-30 11:50
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Audited FICO is less than AUS FICO
|
Resolved-AUS and 1008 with 809 Qual Score received. Condition Resolved. - Due Diligence Vendor-01/30/2026
Resolved-Audited FICO of 809 is equal to or greater than AUS FICO of 809 - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. - Seller-01/29/2026
Open-Audited FICO of 809 is less than AUS FICO of 811 - Due Diligence Vendor-01/26/2026
|
Ready for Review-Document Uploaded. - Seller-01/29/2026
|
Resolved-AUS and 1008 with 809 Qual Score received. Condition Resolved. - Due Diligence Vendor-01/30/2026
Resolved-Audited FICO of 809 is equal to or greater than AUS FICO of 809 - Due Diligence Vendor-01/30/2026
|
XXXXXXXXXXX 1008.pdf
XXXXXXXXXXX DU #10.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7291127
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026122
|
Closed
|
2026-01-29 06:43
|
2026-01-29 12:52
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/29/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/29/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/29/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7346868
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026135
|
Closed
|
2026-01-28 10:34
|
2026-01-28 17:19
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/28/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/28/2026
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/28/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7332806
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026084
|
Closed
|
2026-01-14 11:52
|
2026-01-15 12:19
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by investor
- Due Diligence Vendor-01/15/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/14/2026
|
Acknowledged-Acknowledged by investor
- Due Diligence Vendor-01/15/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7090419
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026089
|
Closed
|
2026-01-22 17:13
|
2026-02-20 06:18
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Employment validation/verification standards do not meet requirements
|
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/20/2026
Resolved-Rebuttal indicates VVOE not required due to business being qualified with a loss. Upon further review, condition is cleared. - Due Diligence
Vendor-01/30/2026
Ready for Review-XXXX XXXXX XXXXXXXXXX was qualified with a loss. VOE not required. - Seller-01/29/2026
Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing verification of borrower's 3rd listed self-employed business on
loan application as required per guides. 1003 reflects borrower has owned business since XX/XX/XXXX. - Due Diligence Vendor-01/23/2026
|
Ready for Review-XXXX XXXXX XXXXXXXXXX was qualified with a loss. VOE not required. - Seller-01/29/2026
|
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/20/2026
Resolved-Rebuttal indicates VVOE not required due to business being qualified with a loss. Upon further review, condition is cleared. - Due Diligence
Vendor-01/30/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7256925
|
N/A
|
N/A
|
|||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026089
|
Closed
|
2026-01-22 20:04
|
2026-02-20 06:18
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026
Resolved-Rebuttal indicates VVOE not required due to business being qualified with a loss. Upon further review, condition is cleared. - Due Diligence
Vendor-01/30/2026
Ready for Review-XXXX XXXXX XXXXXXXXXX was qualified with a loss. VOE not required. - Seller-01/29/2026
Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of borrower's 3rd listed self-employed business on loan application as required per
guides. 1003 reflects borrower has owned business since XX/XX/XXXX. - Due Diligence Vendor-01/23/2026
|
Ready for Review-XXXX XXXXX XXXXXXXXXX was qualified with a loss. VOE not required. - Seller-01/29/2026
|
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026
Resolved-Rebuttal indicates VVOE not required due to business being qualified with a loss. Upon further review, condition is cleared. - Due Diligence
Vendor-01/30/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7259680
|
N/A
|
N/A
|
|||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026089
|
Closed
|
2026-02-20 04:00
|
2026-02-20 04:00
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7714198
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026089
|
Closed
|
2026-01-22 12:55
|
2026-01-28 11:18
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date is after the Primary Appraisal
Delivery Date. - Due Diligence Vendor-01/28/2026
Acknowledged-Acknowledged by investor. - Due Diligence Vendor-01/28/2026
|
Acknowledged-Acknowledged by investor. - Due Diligence Vendor-01/28/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7251065
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026083
|
Closed
|
2026-01-09 06:21
|
2026-01-09 06:21
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/09/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/09/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7001586
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026083
|
Closed
|
2025-12-22 14:50
|
2025-12-30 13:02
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/30/2025
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all
agencies. - Due Diligence Vendor-12/22/2025
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-12/30/2025
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6745572
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026088
|
Closed
|
2026-01-20 10:43
|
2026-01-23 12:08
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant.
- Due Diligence Vendor-01/20/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7181630
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026126
|
Closed
|
2026-01-28 17:11
|
2026-01-30 12:30
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-12/9/2025 Update or original report. Condition Resolved. - Due Diligence Vendor-01/30/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary
Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/28/2026
|
Resolved-12/9/2025 Update or original report. Condition Resolved. - Due Diligence Vendor-01/30/2026
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
7340627
|
N/A
|
N/A
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026126
|
Closed
|
2026-01-28 16:15
|
2026-01-30 12:28
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
Appraisal Delivery Does Not Conform To E-Sign Act
|
Resolved-Evidence of receipt provided. E Consent not applicable. - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. - Seller-01/29/2026
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due
Diligence Vendor-01/28/2026
|
Ready for Review-Document Uploaded. - Seller-01/29/2026
|
Resolved-Evidence of receipt provided. E Consent not applicable. - Due Diligence Vendor-01/30/2026
|
XXXXXXX XXXXXXXXXXX consent.pdf
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
7340091
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026134
|
Closed
|
2026-01-28 15:07
|
2026-01-28 15:08
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/28/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. -
Due Diligence Vendor-01/28/2026
|
Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/28/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7339003
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026090
|
Closed
|
2026-01-23 09:25
|
2026-01-23 14:33
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor? - Due Diligence Vendor-01/23/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/23/2026
|
Acknowledged-Acknowledged by Investor? - Due Diligence Vendor-01/23/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7269814
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026093
|
Closed
|
2026-01-22 17:15
|
2026-01-30 07:49
|
Resolved
|
1 - Information
|
Property
|
Value
|
Missing Valuation Review Product - 1
|
Resolved-Received CU and LCA with valid scores. Condition cleared. - Due Diligence Vendor-01/30/2026
Ready for Review-Document Uploaded. - Seller-01/29/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/22/2026
|
Ready for Review-Document Uploaded. - Seller-01/29/2026
|
Resolved-Received CU and LCA with valid scores. Condition cleared. - Due Diligence Vendor-01/30/2026
|
XXXXXXXXXXX FNMA SSR.pdf
XXXXXXXXXXX FHLMC SSR.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7257014
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026067
|
Closed
|
2025-11-14 10:52
|
2025-12-05 11:11
|
Waived
|
2 - Non-Material
|
Property
|
Property
|
Ineligible Property
|
Waived-Waived by Investor - Due Diligence Vendor-12/05/2025
Open-Guidelines do not allow properties zoned commercial, agricultural (> 5 acres), or mixed use. Subject is zoned XX-X agriculture/residential with over XX
acres. - Due Diligence Vendor-11/14/2025
|
XXXXXXX is comfortable waiving this exception. - 12/05/2025
|
Waived-Waived by Investor - Due Diligence Vendor-12/05/2025
|
FICO 752; CLTV/LTV XXX; Cash Reserves $147k
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6255431
|
Investor Post-Close
|
No
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026067
|
Closed
|
2025-11-14 15:30
|
2025-11-14 15:33
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P and A for all other agencies. - Due
Diligence Vendor-11/14/2025
|
Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-11/14/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6260379
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026066
|
Closed
|
2025-11-12 15:41
|
2025-11-24 05:31
|
Resolved
|
1 - Information
|
Credit
|
Title
|
Title Coverage is Less than Subject Lien(s) Total
|
Resolved-Received final title policy with sufficient coverage. Condition cleared. - Due Diligence Vendor-11/24/2025
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-11/24/2025
Ready for Review-Document Uploaded. - Seller-11/22/2025
Open-Title Coverage Amount of $XXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXXX Preliminary Title Coverage Amount of $XXXXXXX is Less than Total
Amount of Subject Lien(s) of $XXXXXXX - Due Diligence Vendor-11/12/2025
|
Ready for Review-Document Uploaded. - Seller-11/22/2025
|
Resolved-Received final title policy with sufficient coverage. Condition cleared. - Due Diligence Vendor-11/24/2025
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-11/24/2025
|
XXXXXXX XXXXXXXXXXX XX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6230190
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026081
|
Closed
|
2025-12-01 12:33
|
2025-12-22 14:48
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Second Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
Open-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all
agencies. - Due Diligence Vendor-12/01/2025
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6432027
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026081
|
Closed
|
2025-12-01 12:33
|
2025-12-22 14:48
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-12/01/2025
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
6432026
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026110
|
Closed
|
2026-01-29 13:35
|
2026-01-29 13:36
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.
- Due Diligence Vendor-01/29/2026
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/29/2026
|
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/29/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7357645
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026082
|
Closed
|
2025-11-26 07:50
|
2025-12-22 14:46
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-11/26/2025
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-12/22/2025
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6398111
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026082
|
Closed
|
2025-12-01 10:48
|
2025-12-01 15:50
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-12/01/2025
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-12/01/2025
|
Acknowledged-Acknowledged by Investor
- Due Diligence Vendor-12/01/2025
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
6429937
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026075
|
Closed
|
2025-11-24 09:18
|
2025-12-01 13:27
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Insufficient Tolerance Cure (50001026)
|
Resolved-Lender provided valid COC and the lender credit was corrected on the PCCD. Condition cleared. - Due Diligence Vendor-12/01/2025
Open- - Due Diligence Vendor-12/01/2025
Ready for Review-Document Uploaded. - Seller-11/28/2025
Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not
sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. Post-Closing CD reflects a general Lender Credit of $X,XXX.XX in Section J. The loan file did not contain a
valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $430.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due
Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
|
Ready for Review-Document Uploaded. - Seller-11/28/2025
|
Resolved-Lender provided valid COC and the lender credit was corrected on the PCCD. Condition cleared. - Due Diligence Vendor-12/01/2025
|
XXXXXXX XXXXXXXXXXX LE and COC lender credit.pdf
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
6361972
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026075
|
Closed
|
2025-11-24 09:18
|
2025-12-01 13:27
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Insufficient Tolerance Cure (50001028)
|
Resolved-Lender provided valid COC and the lender credit was corrected on the PCCD. Condition cleared. - Due Diligence Vendor-12/01/2025
Open- - Due Diligence Vendor-12/01/2025
Ready for Review-Document Uploaded. - Seller-11/28/2025
Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they
are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. Post-Closing CD reflects a general Lender Credit of $X,XXX.XX in Section J. The loan file did not
contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $430.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. -
Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
Open- - Due Diligence Vendor-11/24/2025
|
Ready for Review-Document Uploaded. - Seller-11/28/2025
|
Resolved-Lender provided valid COC and the lender credit was corrected on the PCCD. Condition cleared. - Due Diligence Vendor-12/01/2025
|
XXXXXXX XXXXXXXXXXX LE and COC lender credit.pdf
|
XX
|
Primary Residence
|
Refinance
|
Limited Cash Out - <2% of Loan Amount or $2000
|
6361973
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026069
|
Closed
|
2025-11-24 10:35
|
2025-12-17 18:01
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Insurance
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-12/18/2025
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Loan funded XX/XX/XXXX, so effective date of XX/XX/XXXX is acceptable. -
Due Diligence Vendor-11/24/2025
|
Acknowledged-Acknowledged by Investor - Due Diligence Vendor-12/18/2025
|
FICO 801; Reserves $967k; Residual Income $61k
|
XX
|
Primary Residence
|
Purchase
|
NA
|
6365721
|
Investor Post-Close
|
No
|
|||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026111
|
Closed
|
2026-01-28 15:00
|
2026-02-06 09:51
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-Received additional assets. Condition cleared. - Due Diligence Vendor-02/06/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/06/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified Reserves are short of GL required amount. - Due
Diligence Vendor-01/28/2026
|
Resolved-Received additional assets. Condition cleared. - Due Diligence Vendor-02/06/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/06/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7338927
|
N/A
|
N/A
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026111
|
Closed
|
2026-01-28 07:54
|
2026-02-06 09:51
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Insufficient Reserves Number of Months (Client Overlay)
|
Resolved-Received additional assets. Condition cleared. - Due Diligence Vendor-02/06/2026
Resolved-Audited Reserves of 51.95 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence
Vendor-02/06/2026
Ready for Review-Document Uploaded. - Seller-02/05/2026
Open-Audited Reserves of 2.08 month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-01/28/2026
|
Ready for Review-Document Uploaded. - Seller-02/05/2026
|
Resolved-Received additional assets. Condition cleared. - Due Diligence Vendor-02/06/2026
Resolved-Audited Reserves of 51.95 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence
Vendor-02/06/2026
|
XXXXXXXXXXX Reserves.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7327413
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026121
|
Closed
|
2026-01-27 16:05
|
2026-01-27 16:05
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/27/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/27/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7320075
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026114
|
Closed
|
2026-01-27 21:21
|
2026-01-27 21:22
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/28/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.
- Due Diligence Vendor-01/28/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/28/2026
|
XX
|
Second Home
|
Refinance
|
No Cash Out - Borrower Initiated
|
7323250
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026105
|
Closed
|
2026-01-09 12:47
|
2026-01-23 12:03
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. File does not contain a waiver from borrower to receive a copy of
the appraisal at least 3 business days prior to closing. File does not document when the appraisal was provided to the borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026
|
Acknowledged-Acknowledged by Investor.
- Due Diligence Vendor-01/23/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
7012388
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026115
|
Closed
|
2026-01-27 14:40
|
2026-01-27 14:40
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/27/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-01/27/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7318662
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026124
|
Closed
|
2026-01-30 18:17
|
2026-02-09 09:45
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Acknowledged-Acknowledged post close. - Due Diligence Vendor-02/09/2026
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/31/2026
|
Acknowledged-Acknowledged post close. - Due Diligence Vendor-02/09/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7384597
|
Investor Post-Close
|
No
|
||||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026124
|
Closed
|
2026-01-30 17:41
|
2026-02-04 11:28
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
PUD Rider is Missing
|
Resolved-Received PUD rider. Condition cleared. - Due Diligence Vendor-02/04/2026
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
|
Resolved-Received PUD rider. Condition cleared. - Due Diligence Vendor-02/04/2026
|
XXXXXXXXXXX Collateral.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7384359
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026124
|
Closed
|
2026-01-30 15:43
|
2026-02-04 11:28
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
The Note is Missing
|
Resolved-Received Note. Condition cleared. - Due Diligence Vendor-02/04/2026
Resolved-The Note is Present - Due Diligence Vendor-02/04/2026
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
Open-The Note is Missing - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
|
Resolved-Received Note. Condition cleared. - Due Diligence Vendor-02/04/2026
Resolved-The Note is Present - Due Diligence Vendor-02/04/2026
|
XXXXXXXXXXX Collateral.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7382798
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026124
|
Closed
|
2026-01-30 15:58
|
2026-02-04 11:28
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Mortgage/Deed of Trust
|
Resolved-Received DOT. Condition cleared. - Due Diligence Vendor-02/04/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/04/2026
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
Open-The Deed of Trust is Missing - Due Diligence Vendor-01/30/2026
|
Ready for Review-Document Uploaded. All documents were in the original submission - Seller-02/04/2026
|
Resolved-Received DOT. Condition cleared. - Due Diligence Vendor-02/04/2026
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/04/2026
|
XXXXXXXXXXX Collateral.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7382979
|
N/A
|
N/A
|
||
|
XXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
54903092026124
|
Closed
|
2026-02-04 11:23
|
2026-02-04 11:27
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Insufficient Change of Circumstance (50001252)
|
Resolved-Invalid finding. Condition rescinded. - Due Diligence Vendor-02/04/2026
Resolved-Resolved - Due Diligence Vendor-02/04/2026
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline
disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and
there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4);
12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-02/04/2026
|
Resolved-Invalid finding. Condition rescinded. - Due Diligence Vendor-02/04/2026
Resolved-Resolved - Due Diligence Vendor-02/04/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7442846
|
N/A
|
N/A
|