Exhibit 99.3
Exception Grades
Run Date - 2/25/2026 8:46:36 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | 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 |
| 224426359 | XXX | 34984397 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2025-11-20): Initial 1009 application provided Buyer Comment (2025-11-19): 1009 |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224439793 | XXX | 35014967 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing HOA doc's showing monthly amount, documents in file gives amount to transfer HOA from business to Borrowers names. | Reviewer Comment (2025-11-24): HOA verification provided Buyer Comment (2025-11-21): HOA info |
11/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224439797 | XXX | 35013345 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2025-11-24): Initial 1009 application provided Buyer Comment (2025-11-21): 1009 |
11/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224442637 | XXX | 35037843 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Preliminary title in the amount of $[Redacted]. | Reviewer Comment (2025-11-25): Supplemental report provided. Buyer Comment (2025-11-24): title supp |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224442638 | XXX | 35035455 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Initial application is missing in file, only signature page is provided | Reviewer Comment (2025-11-25): Initial 1009 application provided Buyer Comment (2025-11-24): initial 1009 |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224442640 | XXX | 35063758 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter. | Reviewer Comment (2025-12-23): Certification provided Buyer Comment (2025-12-23): signed disclosure |
12/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224455155 | XXX | 35073439 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number | Reviewer Comment (2025-12-09): Corrected assignment of deed of trust provided with corrected MIN number. Buyer Comment (2025-12-08): see attached for MERS correction |
12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224455156 | XXX | 35057706 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2025-11-26): FA worksheet provided Buyer Comment (2025-11-25): faws |
11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224466700 | XXX | 35074509 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Policy amount is not provided. | Reviewer Comment (2025-11-26): Title policy amount provided Buyer Comment (2025-11-26): title supplement |
11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224477274 | XXX | 35074667 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing HOA doc's for [Redacted] Homeowners association | Reviewer Comment (2025-12-03): HOA verification provided Buyer Comment (2025-12-03): From the UW: The HOA verification for [Redacted] is in the file (see attached- pg 2). Reviewer Comment (2025-12-01): Approval - line 103 states there are two separate HOA fees and we have only received the HOA from [Redacted] Association and still missing verification [Redacted] sub-association for $[Redacted]/year. Buyer Comment (2025-12-01): HOA Dues |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224477275 | XXX | 35107108 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property mortgage payment history with [Redacted]. | Reviewer Comment (2025-12-03): LOX proved stating not an active mortgage - it became inactive when it became a judgement back in [Redacted]. Buyer Comment (2025-12-03): Additional information Reviewer Comment (2025-12-01): Per final 1009 application, final HUD and schedule of closing costs we are paying off a [Redacted] mortgage ($[Redacted]) at closing and I do not have a payment history for this account. Buyer Comment (2025-12-01): From the UW: [Redacted] was not an open/active mortgage but a lien from [Redacted]- No mortgage payment history applies for this loan. |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224477276 | XXX | 35105102 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard policy does not provide any extended replacement coverage and RCE not provided in file. | Reviewer Comment (2025-12-01): Verified additional 50% extended replacement coverage. Buyer Comment (2025-12-01): Please see the attached questionnaire, the agent confirmed we have 50% in additional extended dwelling coverage. With the extended dwelling coverage, our total coverage amount is $[Redacted] which meets our minimum coverage if $[Redacted]. |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224477280 | XXX | 35108179 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Final 1009 application has [Redacted] US citizen box checked no. | Reviewer Comment (2025-12-03): Corrected final 1009 application provided showing US citizen Buyer Comment (2025-12-02): 1009 final |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224478884 | XXX | 35103428 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2025-12-01): Initial 1009 application provided Buyer Comment (2025-12-01): initial 1009 |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224486068 | XXX | 35118541 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification monthly amount and is paid current. | Reviewer Comment (2025-12-01): HOA verification provided Buyer Comment (2025-12-01): hoa |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224486072 | XXX | 35109541 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Financial Assessment not provided. | Reviewer Comment (2025-12-01): FA worksheet provided Buyer Comment (2025-12-01): faws |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 224542788 | XXX | 35141144 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheet underwriter analysis states credit fail - full LESA applied and there is no LESA collected on this file. | Reviewer Comment (2025-12-08): Corrected FA worksheet provided removing full LESA required comment. Buyer Comment (2025-12-08): correct final FAWS |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224574375 | XXX | 35167103 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter. | Reviewer Comment (2025-12-09): Certification provided Buyer Comment (2025-12-08): disclosue |
12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224574376 | XXX | 35132292 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. | Residual income of ___ is below the required amount. Loans require residual income of at least ___ for a family size of ___ in the state of ___. | Final 1009 application addendum show other REO located at [Redacted] with a tax and insurance fee of $[Redacted] which is causing residual income shortfall. | Reviewer Comment (2025-12-10): Revised final 1009 application addendum removing other REO that does not belong to borrower Buyer Comment (2025-12-10): 1009 addendum Reviewer Comment (2025-12-10): Please provided updated 1009 application addendum removed address from REO section of application. Buyer Comment (2025-12-09): Per the processor, it appears this address is incorrect, as this address does not exist in [Redacted]. After reviewing the final Drive report, it shows this is an address in[Redacted], and a search reflects this is a business address, likely where the borrower worked. Please let me know if additional information is needed. |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224574376 | XXX | 35167188 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2025-12-10): Revised final 1009 application addendum removing other REO that does not belong to borrower Buyer Comment (2025-12-10): 1009 addendum Reviewer Comment (2025-12-10): Please provided updated 1009 application addendum removed address from REO section of application. Buyer Comment (2025-12-09): Per the processor, it appears this address is incorrect, as this address does not exist in [Redacted]. After reviewing the final Drive report, it shows this is an address in[Redacted], and a search reflects this is a business address, likely where the borrower worked. Please let me know if additional information is needed. |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224574381 | XXX | 35169601 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing VOD to verify funds for down payment and closing costs. | Reviewer Comment (2025-12-08): Seller CD provided Buyer Comment (2025-12-08): From the Underwriter: Please see attached. Funds to close came directly from the sale of the departing residence wired directly to our escrow company. So no VOD would be needed. Also, the EMD doesn't have to be sourced as it is less than 1% of the purchase price. |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 224574383 | XXX | 35169672 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing title policy amount to equal max claim amount. | Reviewer Comment (2025-12-08): Supplemental report provided Buyer Comment (2025-12-05): title supp |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224579857 | XXX | 35159258 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2025-12-09): FA worksheet provided Buyer Comment (2025-12-08): faws |
12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224601168 | XXX | 35184173 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification and that it is current. | Reviewer Comment (2025-12-10): HOA verification provided Buyer Comment (2025-12-09): HOA Dues |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224602776 | XXX | 35187415 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheet states no income documents required as credit score is above [Redacted] but there is a 1099-SSA income document in file. This file needs to go full FA approval. | Reviewer Comment (2025-12-10): Revised FA worksheet provided Buyer Comment (2025-12-10): See attached FAWS |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224602776 | XXX | 35187436 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2025-12-10): Revised FA worksheet provided Buyer Comment (2025-12-10): SS income |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224602776 | XXX | 35187460 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheet states $[Redacted]/month HOA but appraisal and Security Instrument is not a PUD and no HOA verification in file. | Reviewer Comment (2025-12-10): Voluntary HOA fee stated on FA worksheet Buyer Comment (2025-12-10): From the UW: See note on the FAWS, the subject is not a PUD. The borrower pays voluntary lake membership fees. I had included the fee only in the FA expenses, verification is not required. |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224635800 | XXX | 35194179 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | HOA Documents for subject property not provided. | Reviewer Comment (2025-12-12): HOA verification provided Buyer Comment (2025-12-11): HOA docs |
12/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224635841 | XXX | 35195941 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing verification of subject property HOA payment and that it is current. | Reviewer Comment (2025-12-12): HOA verification provided Buyer Comment (2025-12-11): HOA dues |
12/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224638963 | XXX | 35198338 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2025-12-16): correct CDA received Buyer Comment (2025-12-15): Correct CDA Reviewer Comment (2025-12-12): Desk review has a greater than 10% variance from appraised value so a field value report is required and is missing from file. |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | C | A | No | |||||||||||||||||
| 224638963 | XXX | 35200823 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Desk review has a greater than 10% variance from appraised value so a field value report is required and is missing from file. | Reviewer Comment (2025-12-16): correct CDA received Buyer Comment (2025-12-15): My apologies, the CDA provided was for the wrong borrower, please see attached |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | C | A | No | ||||||||||||||||
| 224638963 | XXX | 35200837 | Credit | Missing Document | General | Missing Document | Missing Document: Field Review not provided | Field Review is required as there is greater than 10% variance between appraisal and desk review. | Reviewer Comment (2025-12-16): with correct CDA received, a field review is not required |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | C | A | No | ||||||||||||||||
| 224658357 | XXX | 35198674 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. | Residual income of ___ is below the required amount. Loans require residual income of at least ___ for a family size of ___ in the state of ___. | Please provide verification of cut off date to allow Simplified FA approval on HomeSafe Intro loans. | Reviewer Comment (2025-12-15): HomeSafe bulletin provided with cut off date. Buyer Comment (2025-12-15): Please see attached bulletin confirming cutoff date for Intro on Simplified is applications date of [Redacted] and after. Application date for this loan is [Redacted] so OK to proceed on simplified |
12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224658359 | XXX | 35234166 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing attorney trust review letter. | Reviewer Comment (2025-12-15): Attorney trust review letter provided. Buyer Comment (2025-12-15): Trust LOE |
12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224664461 | XXX | 35254493 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheet states Simplified FA approval but there are bank statements in file verifying income deposits and loan must be a full FA approval and income documents required for income used to qualify. | Reviewer Comment (2025-12-19): Revised FA worksheet and SSI award letters provided Buyer Comment (2025-12-18): FAWS |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224664462 | XXX | 35218092 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter. | Reviewer Comment (2025-12-22): Certification provided Buyer Comment (2025-12-22): disclosure |
12/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224664463 | XXX | 35254892 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheets states Simplified FA approval but the there is a SSA-1099 document verifying income in file. Loan must be a full FA approval and income documents used to qualify must be verified. | Reviewer Comment (2025-12-19): FA worksheet and SSI award letter provided Buyer Comment (2025-12-18): FAWS |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224695372 | XXX | 35218499 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing HOA doc's | Reviewer Comment (2025-12-23): HOA docs provided Buyer Comment (2025-12-23): HOA confirmation |
12/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224695373 | XXX | 35231640 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter is missing in file for borrower "[Redacted]". | Reviewer Comment (2025-12-19): Award letter provided Buyer Comment (2025-12-18): income |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224695373 | XXX | 35231642 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter is missing in file for co-borrower "[Redacted]". | Reviewer Comment (2025-12-19): Award letter provided Buyer Comment (2025-12-18): Income |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224705821 | XXX | 35244476 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide documentation for the other expense of $[Redacted] stated on final 1009 application addendum and included in final total other monthly expenses in section H of FA worksheet. | Reviewer Comment (2025-12-19): Revised FA worksheet provided corrected $[Redacted] to Income Tax. Buyer Comment (2025-12-18): correct FAWS |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224705822 | XXX | 35256646 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal is NOT marked as a PUD and no HOA fee stated on FA worksheet but Security Instrument has PUD rider box checked and there is a PUD rider located in file. | Reviewer Comment (2025-12-22): LOX provided from appraiser. Buyer Comment (2025-12-22): Underwriter Response |
12/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224708740 | XXX | 35277834 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | FA worksheet stated loan approved as a Simplified FA approval but there is a SSA-1099 social security income document verified in file. Loan must be resubmitted as a full FA approval and income documents used to qualify must be verified. | Reviewer Comment (2025-12-23): FA worksheet and SSI income verification provided Buyer Comment (2025-12-23): income documentation Reviewer Comment (2025-12-23): Revised FA worksheet provided removing statement saying Simplified FA but the income section showing $[Redacted]/month in income was not verified or provided. Buyer Comment (2025-12-22): faws |
12/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224732780 | XXX | 35318967 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | [Redacted] property and hazard policy does not state replacement cost coverage. | Reviewer Comment (2026-01-02): email from insurance agent stating coverage is 100% replacement cost coverage has been received Buyer Comment (2026-01-02): Attached is the email from the agent verifying 100% replacement cost. |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224733137 | XXX | 35313652 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal not provided in file. | Reviewer Comment (2026-01-02): Appraisal provided Buyer Comment (2026-01-02): appraisal |
01/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance | D | A | D | A | D | A | No | ||||||||||||||||
| 224733137 | XXX | 35313656 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Greater than 10% variance between appraised value and desk review value and field value report missing in file. | Reviewer Comment (2026-01-02): Borrower choose to go with the lower desk review value to determine LTV. Buyer Comment (2026-01-02): Borrower decided to move forward with CDA value, see attached |
01/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance | D | A | D | A | D | A | No | ||||||||||||||||
| 224733137 | XXX | 35326145 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing verification of subject property HOA and that it is current. | Reviewer Comment (2026-01-02): HOA verification provided Buyer Comment (2026-01-02): HOA dues |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | D | A | D | A | D | A | No | ||||||||||||||||
| 224733143 | XXX | 35320164 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required residual income is $[Redacted] and verified residual income is $[Redacted]. FA worksheet was submitted with an residual income shortfall and section F total income stated is not equal to income stated in section F. | Reviewer Comment (2026-01-08): Corrected income analysis worksheet provided Buyer Comment (2026-01-08): Sorry about this, looks like an older income [Redacted] made it into the bundle, dated [Redacted]. Here is the one dated [Redacted] and is the one we used Reviewer Comment (2026-01-07): Figure is coming from your cash flow analysis worksheet on page 336 / D0460. Buyer Comment (2026-01-07): UW response Reviewer Comment (2026-01-06): I corrected partnership loss to -$[Redacted] but your Sch C income of $[Redacted] does not match your cash flow analysis summary figure of $[Redacted] and I still have a residual income shortfall,. Buyer Comment (2026-01-05): Sorry about that, we had a system issue and the true Sched. C income is $[Redacted] and their partnership loss is $[Redacted]. So if you take deduct the $[Redacted] from the schedule C it comes out to the $[Redacted] Reviewer Comment (2026-01-05): Income used to qualify: $[Redacted] (Sch C), -$[Redacted](Partnership loss for[Redacted]), $[Redacted] (bank statement asset depletion) and $[Redacted] (loan proceed asset depletion) = $[Redacted] total income used to qualify and FA worksheet is using $[Redacted] which makes residual income -$[Redacted]. Buyer Comment (2026-01-05): From UW Lead: FA worksheet on this one shows RI passing with dissipating proceeds. RI shortfall is $[Redacted], and proceeds dissipated is $[Redacted] which gives them an additional $[Redacted] and brings them over 100% RI met. Can you advise if still not matching? |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224733145 | XXX | 35319212 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title missing in the amount of $[Redacted]. | Reviewer Comment (2026-01-02): prelim title with coverage amount received Buyer Comment (2026-01-02): Final max claim is [Redacted], see attached title |
01/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance | B | A | B | A | A | A | No | ||||||||||||||||
| 224736475 | XXX | 35316632 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-01-05): Document provided Buyer Comment (2026-01-02): exhibit and comparison |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224737545 | XXX | 35316710 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-01-06): Final title policy provided |
01/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224737545 | XXX | 35344998 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Most recent supplemental report to title has title coverage amount of $[Redacted] and max claim amount on reverse mortgage comparison is $[Redacted]. Previous supplement al report dated [Redacted] has $[Redacted] but most recent supplemental report dated [Redacted] has $[Redacted]. | Reviewer Comment (2026-01-06): Final title policy provided Buyer Comment (2026-01-05): See final title policy showing [Redacted] |
01/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224737693 | XXX | 35335266 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2026-01-07): FA worksheet provided Buyer Comment (2026-01-06): signed faws |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224739897 | XXX | 35341940 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter required on Simplified FA approved loans. | Reviewer Comment (2026-01-09): Certification provided Buyer Comment (2026-01-09): disclosure |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224739899 | XXX | 35343701 | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Name Affidavit not provided | Name Affidavit not provided. | Reviewer Comment (2026-01-07): Name affidavit provided Buyer Comment (2026-01-06): name affidavit |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 224739899 | XXX | 35349298 | Credit | Modification | Loss Mitigation Document Check | Modification | Missing Document: Payment Plan not provided | Missing reverse mortgage comparison document dated same day as Note date. | Reviewer Comment (2026-01-07): Reverse mortgage comparison provided Buyer Comment (2026-01-06): comparison and exhibit |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 224739910 | XXX | 35344814 | Credit | Compliance | Miscellaneous Compliance | Compliance | Missing Document: Name Affidavit not provided | Name Affidavit not provided. | Reviewer Comment (2026-01-07): Name affidavit provided Buyer Comment (2026-01-06): name aff |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224739910 | XXX | 35348404 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-01-06): Dwelling coverage is less than RCE. |
01/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224739910 | XXX | 35350416 | Credit | Collateral | Missing/Incorrect | Collateral | PUD Rider is missing. | PUD rider box checked on Security Instrument and there is no PUD rider in file or HOA fee stated on FA worksheet. | Reviewer Comment (2026-01-07): PUD rider provided Buyer Comment (2026-01-06): PUD rider |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224739910 | XXX | 35350602 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-01-07): Schedule of closing cost provided Buyer Comment (2026-01-06): Comparison and Exhibit 1 |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224739910 | XXX | 35350604 | Credit | Modification | Loss Mitigation Document Check | Modification | Missing Document: Payment Plan not provided | Missing reverse mortgage comparison document dated same day as Note date. | Reviewer Comment (2026-01-07): Reverse mortgage comparison provided Buyer Comment (2026-01-06): Comparison and Exhibit 1 |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224753159 | XXX | 35355341 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification and that payment is current. | Reviewer Comment (2026-01-07): HOA confirmation received Buyer Comment (2026-01-07): HOA confirmation |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224753160 | XXX | 35347340 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Missing second appraisal with effective date of [Redacted] and appraised value of $[Redacted]. | Reviewer Comment (2026-01-07): missing appraisal has been received Buyer Comment (2026-01-07): appraisal |
01/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224753162 | XXX | 35347305 | Credit | HECM | General | HECM | The Reverse Mortgage Counseling Certificate Disclosure was not provided. | - | Reverse Mortgage Counseling Certificate is not provided. | Reviewer Comment (2026-01-07): signed counseling cert received Buyer Comment (2026-01-07): counseling |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224753180 | XXX | 35355520 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | For loans over $[Redacted] two appraisals are required and only 1 appraisal is provided. Missing appraisal with effective date of [Redacted] and appraised value of $[Redacted]. | Reviewer Comment (2026-01-07): second appraisal received Buyer Comment (2026-01-07): appraisal |
01/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224753186 | XXX | 35356256 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification and that it is current. | Reviewer Comment (2026-01-07): proof of HOA payment and proof that dues are current has been received Buyer Comment (2026-01-07): HOA Dues |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224763131 | XXX | 35351580 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Financial Assessment / Financial Analysis Worksheet is missing | Reviewer Comment (2026-01-09): FA worksheet provided Buyer Comment (2026-01-09): FAWS |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224763143 | XXX | 35356316 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter required on Simplified FA approved loans. | Reviewer Comment (2026-01-09): Certification provided Buyer Comment (2026-01-09): VOM Buyer Comment (2026-01-09): disclosure |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224763143 | XXX | 35363927 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property mortgage payment history for loan being paid off at closing. | Reviewer Comment (2026-01-09): Pay history provided Buyer Comment (2026-01-09): VOM |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224763149 | XXX | 35365118 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property mortgage payment history. | Reviewer Comment (2026-01-09): pay history explanation received and acceptable Buyer Comment (2026-01-09): mortgage statement Buyer Comment (2026-01-09): UW response |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224773292 | XXX | 35354020 | Credit | Credit | Credit Documentation | Credit | Missing Document: FNMA 1009 - Application not provided | Missing final 1009 application | Reviewer Comment (2026-01-09): final 1009 received Buyer Comment (2026-01-09): final 1009 |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224779903 | XXX | 35445552 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Second appraisal was waived for value greater than $[Redacted] but file is missing second appraisal waiver document. | Reviewer Comment (2026-01-13): waiver documentation received Buyer Comment (2026-01-12): waiver |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224779904 | XXX | 35388544 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. | Per HUD we are only paying off existing mortgage and six revolving debts which have been verified and excluded and verified residual income is -$[Redacted]. | Reviewer Comment (2026-01-15): [Redacted] self reported not included in residual income calculations Buyer Comment (2026-01-15): Would it be possible to get a breakdown of the income calculations used to get to the -[Redacted]? Sorry, I sent the Underwriter the breakdown in loan summary but she still requested this |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224779907 | XXX | 35388306 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Missing second appraisal with effective date of [Redacted] and appraised value of $[Redacted]. | Reviewer Comment (2026-01-13): appraisal received Buyer Comment (2026-01-12): appraisal |
01/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224780036 | XXX | 35391643 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-01-14): Verified additional 25% extended replacement coverage. Buyer Comment (2026-01-13): HOI coverage |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224780038 | XXX | 35451318 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required residual income is $[Redacted] and verified residual income is $[Redacted]. Difference is flood insurance verified at $[Redacted]/month and FA worksheet does not have and flood insurance. | Reviewer Comment (2026-01-14): Corrected FA worksheet provided to clear residual income shortfall. Buyer Comment (2026-01-14): correct faws Reviewer Comment (2026-01-13): FA worksheet was submitted with residual income shortfall. Flood insurance was added to new FA worksheet but has incorrect amount and should be $[Redacted]/year and residual income verified is $[Redacted] and $[Redacted] is required. Buyer Comment (2026-01-13): FAWS |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224780632 | XXX | 35451414 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-01-13): updated 1009 application showing borrower is a US Citizen has been received Buyer Comment (2026-01-13): Borrower is confirmed as a UW Citizen |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224780633 | XXX | 35392124 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing HOA doc's | Reviewer Comment (2026-01-13): Revised FA worksheet provided and verifying no HOA on subject property. PUD not marked on Security Instrument or appraisal. Buyer Comment (2026-01-13): UW confirmed no HOA, please see attached |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224780635 | XXX | 35388946 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-01-13): supplemental title report received |
01/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance | B | A | B | A | A | A | No | ||||||||||||||||
| 224780635 | XXX | 35444371 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Missing title in the amount of $[Redacted] | Reviewer Comment (2026-01-13): supplemental title report received Buyer Comment (2026-01-12): title supp |
01/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance | B | A | B | A | A | A | No | ||||||||||||||||
| 224780961 | XXX | 35388272 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Missing second appraisal with effective date of [Redacted] and appraised value of $[Redacted] | Reviewer Comment (2026-01-13): Second appraisal provided Buyer Comment (2026-01-13): appraisal |
01/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224790963 | XXX | 35442690 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-01-13): Security Instrument provided Buyer Comment (2026-01-13): mortgage |
01/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 224790963 | XXX | 35442696 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Loan Amount not provided. | Security Agreement is not provided. Exception already raised. | Reviewer Comment (2026-01-13): Security Instrument provided Buyer Comment (2026-01-13): missing DOT uploaded |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224852449 | XXX | 35443888 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | - | Reviewer Comment (2026-01-15): Fraud report provided Buyer Comment (2026-01-14): ofac |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 224852449 | XXX | 35443899 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. | Reviewer Comment (2026-01-15): Flood certificate provided |
01/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 224852449 | XXX | 35443903 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-01-15): Credit report provided Buyer Comment (2026-01-14): credit report |
01/15/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 224852449 | XXX | 35443904 | Credit | Missing Document | General | Missing Document | Missing Document: Flood Certificate - Life of Loan not provided | Reviewer Comment (2026-01-15): Flood certificate provided Buyer Comment (2026-01-14): flood cert |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 224852449 | XXX | 35443906 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-01-15): Hazard policy provided Buyer Comment (2026-01-14): HOI |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 224910942 | XXX | 35475065 | Credit | Missing Document | General | Missing Document | Missing Document: Flood Certificate - Life of Loan not provided | Reviewer Comment (2026-01-16): Flood certificate provided Buyer Comment (2026-01-16): floodcert |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224910942 | XXX | 35475081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. | Flood Certificate is missing in file. | Reviewer Comment (2026-01-16): Flood certificate provided Buyer Comment (2026-01-16): flood cert |
01/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 224925756 | XXX | 35484618 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2026-01-21): FA worksheet provided Buyer Comment (2026-01-20): faws |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224955513 | XXX | 35594636 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2026-01-29): Initial 1009 application provided Buyer Comment (2026-01-29): initial 1009 |
01/29/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 224955516 | XXX | 35595353 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax report is not provided. | Reviewer Comment (2026-01-30): Tax certificate provided Buyer Comment (2026-01-29): REO docs |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 224999116 | XXX | 35624508 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title amount not provided | Reviewer Comment (2026-01-29): Supplemental report provided Buyer Comment (2026-01-29): CORRECT title supplement Buyer Comment (2026-01-29): insured amount |
01/29/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance | B | A | B | A | A | A | No | ||||||||||||||||
| 225005750 | XXX | 35654914 | Credit | Credit | Credit Documentation | Credit | Missing Document: FNMA 1009 - Application not provided | Missing final 1009 application. | Reviewer Comment (2026-01-30): Final 1009 application provided Buyer Comment (2026-01-29): final 1009 |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225005757 | XXX | 35635155 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy amount is insufficient. Title policy amount should be $[Redacted]. | Reviewer Comment (2026-01-30): Supplemental report provided Buyer Comment (2026-01-29): title supp |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225007951 | XXX | 35645190 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Short Form Title Amount is insufficient. | Reviewer Comment (2026-02-01): Corrected final title policy provided Buyer Comment (2026-01-30): Please see approved title commitment with correct insured amount and let me know if anything additional is needed |
02/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225007956 | XXX | 35643129 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2026-02-01): Initial 1009 application provided Buyer Comment (2026-01-30): 1009 |
02/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225013177 | XXX | 35694820 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide hazard policy verifying $[Redacted]/year as stated on FA worksheet. Hazard policy in file has a annual premium of $[Redacted]. | Reviewer Comment (2026-02-03): Hazard policies provided Buyer Comment (2026-02-02): See attached and following response from UW: This loan has 2 HOI policies (attached) - Hazard policy = $[Redacted] and Wind/Hail policy = $1[Redacted] = $[Redacted] |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225013178 | XXX | 35681598 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter. | Reviewer Comment (2026-02-03): Certification provided Buyer Comment (2026-02-02): missing cert |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225013184 | XXX | 35671479 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document is missing for REO Property "[Redacted]" | Reviewer Comment (2026-02-03): HOA verification provided Buyer Comment (2026-02-02): Missing HOA REO docs uploaded Buyer Comment (2026-02-02): HOA REO |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 225013184 | XXX | 35685797 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-02-03): HOA verification provided Buyer Comment (2026-02-02): HOA REO |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225013184 | XXX | 35694880 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification | Reviewer Comment (2026-02-03): HOA verification provided Buyer Comment (2026-02-02): HOA Dues |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225013191 | XXX | 35670857 | Credit | Credit | Credit Documentation | Credit | Missing Document: FNMA 1009 - Application not provided | Missing final 1009 application | Reviewer Comment (2026-02-03): Final 1009 application provided Buyer Comment (2026-02-02): 1009 |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225013191 | XXX | 35670860 | Credit | HECM | General | HECM | The Reverse Mortgage Counseling Certificate Disclosure was not provided. | - | Reviewer Comment (2026-02-03): Executed counseling certificate provided Buyer Comment (2026-02-02): counseling cert |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225018591 | XXX | 35701465 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-02-03): Award letter provided Buyer Comment (2026-02-03): COLA and Bank Statement |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225018596 | XXX | 35688616 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage Statement for [Redacted] with the monthly payment of $[Redacted] for property on [Redacted] | Reviewer Comment (2026-02-03): Document provided Buyer Comment (2026-02-03): From the Underwriter: The mortgage statement didn't show the property address so we used the DOT instead |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||
| 225018600 | XXX | 35684481 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2026-02-03): Initial 1009 application provided Buyer Comment (2026-02-03): initial 1009 |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225018601 | XXX | 35705696 | Credit | Collateral | Missing/Incorrect | Collateral | Condo Rider is missing. | Reviewer Comment (2026-02-03): Condo rider provided Buyer Comment (2026-02-03): condo rider |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225031394 | XXX | 35696756 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2026-02-05): FA worksheet provided Buyer Comment (2026-02-04): FAWS |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225031394 | XXX | 35696757 | Credit | Missing Document | General | Missing Document | Missing Document: FNMA 1009 - Application - Initial not provided | Reviewer Comment (2026-02-05): Initial 1009 application provided Buyer Comment (2026-02-04): 1009 |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225031395 | XXX | 35697041 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. | Reviewer Comment (2026-02-05): Flood certificate provided Buyer Comment (2026-02-04): flood cert |
02/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance | B | A | B | A | A | A | No | |||||||||||||||||
| 225037262 | XXX | 35720132 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-02-06): Verified replacement cost coverage Buyer Comment (2026-02-06): RCE e-mail from agent |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225037264 | XXX | 35706880 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-13): Schedule of closing cost provided Buyer Comment (2026-02-12): exhibit |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225037264 | XXX | 35706887 | Credit | Modification | Loss Mitigation Document Check | Modification | Missing Document: Payment Plan not provided | Missing reverse mortgage comparison dated same day and Note. | Reviewer Comment (2026-02-13): Reverse mortgage comparison provided Buyer Comment (2026-02-12): closing comparison |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225037514 | XXX | 35718152 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-02-06): Credit report provided Buyer Comment (2026-02-06): credit report |
02/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225037514 | XXX | 35718154 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Photo ID not provided | Reviewer Comment (2026-02-06): Driver license provided Buyer Comment (2026-02-06): DOB verification |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225037514 | XXX | 35734592 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing subject property HOA verification | Reviewer Comment (2026-02-06): HOA verification provided Buyer Comment (2026-02-06): HOA dues |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 225040530 | XXX | 35724468 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Due to a payment to [Redacted] in the amount of $[Redacted] that is not included on the FA the file no longer meet required RI of $[Redacted]. | Reviewer Comment (2026-02-06): Updated FA worksheet provided Buyer Comment (2026-02-06): FAWS |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225042486 | XXX | 35729248 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing certification of sufficient financial resources letter. | Reviewer Comment (2026-02-23): The LOS did not print out the Simplified Income Certification for borrowers to sign at closing in error. Lender approved exception with compensating factors. Borrower owned subject property at least [Redacted] years, FICO exceeds the guideline minimum by at least [Redacted] points, assets equal to life expectancy property charges with proceeds and monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months with remaining proceeds. Buyer Comment (2026-02-20): FAWS |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225042487 | XXX | 35727165 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-09): Loan agreement provided Buyer Comment (2026-02-09): loan agreement |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225042487 | XXX | 35727166 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-09): Note provided Buyer Comment (2026-02-09): Note and Loan Agreement |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225042487 | XXX | 35727167 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-09): Schedule of closing cost provided Buyer Comment (2026-02-09): exhibit 1 |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225042489 | XXX | 35726981 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. Sec ID: 3 | Note Date: ___; Lien Position: ___ | Why is there an appraisal in file for $[Redacted] and not used to qualify. | Reviewer Comment (2026-02-09): Initial appraisal was deemed deficient and a new appraisal was ordered. Buyer Comment (2026-02-09): See attached correspondence from Far Chief Appraiser confirming the [Redacted] appraisal was deemed deficient and a new appraisal provided |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance | C | A | A | A | C | A | No | |||||||||||||||
| 225042681 | XXX | 35730634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing HOA documentation | Reviewer Comment (2026-02-10): HOA verification provided Buyer Comment (2026-02-10): HOA Dues |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225051732 | XXX | 35735926 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-10): Final loan agreement provided Buyer Comment (2026-02-10): Note and Loan Agreement |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051732 | XXX | 35735927 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-10): Note provided Buyer Comment (2026-02-10): Note and Loan AGreement |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051732 | XXX | 35735928 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-10): Schedule of closing costs provided Buyer Comment (2026-02-10): Exhibit 1 |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051739 | XXX | 35744984 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-10): Final loan agreement provided Buyer Comment (2026-02-10): note and loan agreement |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051739 | XXX | 35744985 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-10): Note provided Buyer Comment (2026-02-10): note and loan agreement |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051740 | XXX | 35744558 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-10): Final loan agreement provided Buyer Comment (2026-02-10): Loan AGreement |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051740 | XXX | 35744559 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-10): Note provided Buyer Comment (2026-02-10): Note |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051740 | XXX | 35744560 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-10): Schedule of closing cost provided Buyer Comment (2026-02-10): Exhibit 1 |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051741 | XXX | 35744501 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-10): Loan agreement provided Buyer Comment (2026-02-10): Note and Loan Agreement |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051741 | XXX | 35744502 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-10): Note provided Buyer Comment (2026-02-10): Note and Loan Agreement |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051741 | XXX | 35744503 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-10): Schedule of closing cost provided Buyer Comment (2026-02-10): Exhibit 1 |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225051742 | XXX | 35735717 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-10): Hazard policy provided Buyer Comment (2026-02-10): HOI |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225060082 | XXX | 35756960 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-11): Loan Agreement provided Buyer Comment (2026-02-10): Note and Loan Agreement Combo attached |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225060082 | XXX | 35756961 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-11): Note provided Buyer Comment (2026-02-10): Note and Loan Agreement combo attached |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225060085 | XXX | 35757784 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-12): Hazard policy provided Buyer Comment (2026-02-11): HOI |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225060087 | XXX | 35757919 | Credit | HECM | General | HECM | The Reverse Mortgage Counseling Certificate Disclosure was not provided. | - | Reviewer Comment (2026-02-12): Counseling certificate provided Buyer Comment (2026-02-11): Counseling Cert attached |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225060087 | XXX | 35757922 | Credit | Collateral | Missing/Incorrect | Collateral | PUD Rider is missing. | Reviewer Comment (2026-02-12): PUD rider provided Buyer Comment (2026-02-11): PUD Rider attached |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225062948 | XXX | 35765205 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. | Required residual income is $[Redacted] and verified residual income is $[Redacted]. Shortfall is due to FA worksheet using $[Redacted]/month taxes on other REO and verified taxes on property detail report is $[Redacted]/month. | Reviewer Comment (2026-02-12): Revised FA worksheet provided increasing loan proceed asset depletion income. Buyer Comment (2026-02-12): Final FAWS |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225062973 | XXX | 35764838 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-12): Schedule of closing cost provided Buyer Comment (2026-02-11): Exhibit 1 attached |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062973 | XXX | 35791678 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-12): Note provided Buyer Comment (2026-02-11): Note attached |
02/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062973 | XXX | 35791679 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-12): Loan agreement provided Buyer Comment (2026-02-11): Loan Agreement attached |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062974 | XXX | 35760641 | Credit | HECM | General | HECM | The Reverse Mortgage Counseling Certificate Disclosure was not provided. | - | Reviewer Comment (2026-02-12): Counseling certificate provided Buyer Comment (2026-02-11): counseling cert |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | ||||||||||||||||
| 225062974 | XXX | 35760642 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | Reviewer Comment (2026-02-12): Loan agreement provided Buyer Comment (2026-02-11): loan agreement |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062974 | XXX | 35760644 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-12): Hazard policy provided Buyer Comment (2026-02-11): hoi |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062974 | XXX | 35760645 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-02-12): Note provided Buyer Comment (2026-02-11): note |
02/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062974 | XXX | 35760646 | Credit | Missing Document | General | Missing Document | Missing Document: Schedule of Closing Costs not provided | Reviewer Comment (2026-02-12): Schedule of closing costs provided Buyer Comment (2026-02-11): exhibit |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | D | A | D | A | A | A | No | |||||||||||||||||
| 225062977 | XXX | 35794647 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing additional HOA verification. FA worksheet states HOA is $[Redacted]/month and only verified $[Redacted]/month in file. | Reviewer Comment (2026-02-12): Revised FA worksheet provided correcting HOA to $[Redacted]/month Buyer Comment (2026-02-11): FAWS |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance | C | A | C | A | A | A | No | ||||||||||||||||
| 225063250 | XXX | 35764896 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2026-02-12): FA worksheet provided Buyer Comment (2026-02-11): FAWS |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No | |||||||||||||||||
| 225063251 | XXX | 35765408 | Credit | Missing Document | General | Missing Document | Missing Document: Financial Assessment / Financial Analysis Worksheet not provided | Reviewer Comment (2026-02-13): FA worksheet provided Buyer Comment (2026-02-12): faws |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | No | |||||||||||||||||
| 225063251 | XXX | 35795934 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Note and Security Instrument has city name as[Redacted] and hazard policy has city name as [Redacted]. | Reviewer Comment (2026-02-13): Zip code look up has [Redacted] as city. Buyer Comment (2026-02-12): Address Information from UW |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 225063251 | XXX | 35795938 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note and Security Instrument has city name as[Redacted] and hazard policy has city name as [Redacted]. | Reviewer Comment (2026-02-13): Zip code look up has [Redacted] as city. |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | No | |||||||||||||||
| 225063251 | XXX | 35795986 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing 2 months banks statements and verification access to funds need for down payment and closing costs. | Reviewer Comment (2026-02-13): Bank statement s provided Buyer Comment (2026-02-12): Breakdown of funds |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | No | ||||||||||||||||
| 225063252 | XXX | 35770810 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. | FA worksheet was submitted with residual income shortfall. the monthly social security income used to qualify is more then what is verified on the award letter. FA worksheet is using $[Redacted] and award letter states $[Redacted]. It is only a [Redacted] difference but that is enough to bring verified residual income under the required $[Redacted]. | Reviewer Comment (2026-02-12): Revised FA worksheet provided Buyer Comment (2026-02-12): FAWS |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance | C | A | C | A | A | A | No |