J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.18
| Seller | Loan ID | Seller Loan ID | Investor 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? |
| XXXXXXX | XXXXXXX | XXXXXXXX | 304933521 | Closed | 2025-12-14 13:39 | 2025-12-15 05:21 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-12/14/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-12/14/2025 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304911442 | Closed | 2025-12-16 05:08 | 2025-12-22 06:22 | 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-12/16/2025 | 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-12/16/2025 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304896759 | Closed | 2025-12-16 08:42 | 2026-01-21 15:55 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider with Scrivener's Affidavit provided. - Due Diligence Vendor-01/15/2026 Ready for Review-loi, scriveners aff, signed pud and mtg page 2 upld - Due Diligence Vendor-01/13/2026 Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/16/2025 |
Resolved-PUD Rider with Scrivener's Affidavit provided. - Due Diligence Vendor-01/15/2026 |
XXXXXXXX_1.pdf | XX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304896759 | Closed | 2025-12-22 13:34 | 2026-01-21 13:40 | Acknowledged | 2 - Non-Material | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Acknowledged-Per client: Since we have the 1004D on the appraisal with the lower valuation, we are okay downgrading this condition. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 Counter-Due to the loan size being > $XX, 2 full appraisals were required per guidelines and overlays. 1004D not provided from XXXX. condition remains open. - Due Diligence Vendor-01/15/2026 Ready for Review-rebuttal upld - Due Diligence Vendor-01/13/2026 Counter-Primary Value Subject Property Appraisal is not on an As-Is Basis. Received 1004D completed by XXX XXXXXXXXX. Missing completion cert for the appraisal completed by XXXXXX XXXXXXXXX XXXX XXXX. Condition remains. - Due Diligence Vendor-01/05/2026 Ready for Review-1004d upld - Due Diligence Vendor-01/02/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Missing 1004D for appraisal with completed date of XX/XX/XXX. - Due Diligence Vendor-12/22/2025 |
Acknowledged-Per client: Since we have the 1004D on the appraisal with the lower valuation, we are okay downgrading this condition. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 |
XXXXXXXX_1.pdf XXXXXXXX_1.pdf |
XX | Second Home | Purchase | NA | XXXX | Investor Post-Close | No | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304896759 | Closed | 2025-12-16 08:01 | 2026-01-05 12:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/05/2026 Ready for Review-proof econsent accepted upld - Due Diligence Vendor-01/02/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-12/16/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/05/2026 |
XXXXXXXX_1.pdf | XX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304904412 | Closed | 2026-01-01 10:53 | 2026-01-03 14:03 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-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 as same as the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-01/01/2026 |
Acknowledged-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 as same as the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-01/01/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304909453 | Closed | 2026-01-06 15:03 | 2026-01-16 09:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/16/2026 Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 Ready for Review-1/12 XXX: Please see the attached final CD for the property at XX XXX XXX XX, payoffs evident on page 3. - Due Diligence Vendor-01/12/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing final settlement statement/CD for new loan on primary residence showing both liens paid off and new PITIA payment. - Due Diligence Vendor-01/06/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/16/2026 Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 |
XXXXXXXX_1.pdf | XX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304909453 | Closed | 2026-01-06 14:23 | 2026-01-14 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 Ready for Review-1/12 XXX: Please see the attached final CD for the property at XX XXX XXX XX, payoffs evident on page 3. - Due Diligence Vendor-01/12/2026 Open-Provide final settlement statement/CD for new loan on primary residence showing both liens paid off and new PITIA payment. - Due Diligence Vendor-01/06/2026 |
Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 |
XXXXXXXX_1.pdf | XX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027191 | Closed | 2026-01-15 11:07 | 2026-01-15 11:07 | 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-01/15/2026 | 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-01/15/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304909059 | Closed | 2025-12-16 14:52 | 2025-12-16 14:57 | 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-12/16/2025 | 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-12/16/2025 |
XX | Second Home | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304898228 | Closed | 2025-12-26 12:02 | 2025-12-26 12:04 | 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-12/26/2025 | 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-12/26/2025 |
XX | Second Home | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027361 | Closed | 2026-01-12 09:28 | 2026-01-16 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received LOX. Condition cleared. - Due Diligence Vendor-01/16/2026 Ready for Review-01/15/26 - XX: There is no large deposit of $XX,XXX into XXX xXXXX-X on XX/XX/XXXX. Additionally, the deposit of $XX,XXX.XX was backed out the available balance for XXXXX xXXXX, and XXX only utilized $XX,XXX.XX in funds for qualification. - Due Diligence Vendor-01/15/2026 Open-The following large deposits were not verified/documented: $XX,XXX.XX on XX/XX/XXXX to Asset #4 and $XX,XXX.XX on XX/XX/XXXX to Asset #1. - Due Diligence Vendor-01/12/2026 |
Resolved-Received LOX. Condition cleared. - Due Diligence Vendor-01/16/2026 |
XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027361 | Closed | 2026-01-12 09:30 | 2026-01-16 15:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-01/16/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026 Ready for Review-01/15/26 - XX: There is no large deposit of $XX,XXX into XXX xXXXX-X on XX/XX/XXXX. Additionally, the deposit of $XX,XXX.XX was backed out the available balance for XXXXX xXXXX, and XXX only utilized $XX,XXX.XX in funds for qualification. - Due Diligence Vendor-01/15/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation for large deposits. - Due Diligence Vendor-01/12/2026 |
Resolved-. - Due Diligence Vendor-01/16/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026 |
XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304909451 | Closed | 2026-01-13 14:22 | 2026-01-13 14:23 | 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-01/13/2026 | 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-01/13/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305029720 | Closed | 2026-01-16 17:02 | 2026-01-28 10:55 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 Ready for Review-XX 1/27 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX - Due Diligence Vendor-01/27/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 |
XXXXXXXX_1.pdf XXXXXXXX_2.pdf |
XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305031451 | Closed | 2026-02-11 14:08 | 2026-02-11 14:08 | 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-02/11/2026 | 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-02/11/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027360 | Closed | 2026-01-29 15:49 | 2026-01-29 15:49 | 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-01/29/2026 | 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-01/29/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304898866 | Closed | 2026-01-07 05:42 | 2026-01-14 16:50 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Lender Overlay require reserves as required by the AUS for loan amounts below $X,XXX,XXX; condition resolved. - Due Diligence Vendor-01/14/2026 Ready for Review-1/12 XX: The reserve requirements for Jumbo 30 Year Fixed - XXXX XXXXX with a loan amount of $XXX,XXX: For Purchase and Rate/Term Refinances: The reserves are determined by DU/LPA (Desktop Underwriting/Loan Product Advisor) findings Please see attached document that shows no required reserves for this loan. - Due Diligence Vendor-01/12/2026 Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/07/2026 |
Resolved-Lender Overlay require reserves as required by the AUS for loan amounts below $X,XXX,XXX; condition resolved. - Due Diligence Vendor-01/14/2026 |
XXXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027514 | Closed | 2026-01-16 10:59 | 2026-01-25 15:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-01/25/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/25/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The AUS required proof that past due payment have been satisfied prior to or at closing. Missing proof that Liability #5 (student loan opened XX/XXXX ending in XXXXX) has been brought up to date. The credit supplement dated XX/XX/XXXX did not address this account. - Due Diligence Vendor-01/16/2026 |
Resolved-. - Due Diligence Vendor-01/25/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/25/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027514 | Closed | 2026-01-15 09:23 | 2026-01-25 15:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received updated credit report. Condition cleared. - Due Diligence Vendor-01/25/2026 Ready for Review-1/23 XX: Please see attached credit supplement that the student loan has been closed and satisfied. - Due Diligence Vendor-01/24/2026 Open-The AUS required proof that past due payment have been satisfied prior to or at closing. Missing proof that Liability #5 (student loan opened XX/XXXX ending in XXXXX) has been brought up to date. The credit supplement dated XX/XX/XXXX did not address this account. - Due Diligence Vendor-01/15/2026 |
Resolved-Received updated credit report. Condition cleared. - Due Diligence Vendor-01/25/2026 |
XXXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304911418 | Closed | 2025-12-18 09:23 | 2025-12-18 09:23 | 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-12/18/2025 | 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-12/18/2025 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305024067 | Closed | 2026-01-12 09:28 | 2026-01-12 09:28 | 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-01/12/2026 | 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-01/12/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305013268 | Closed | 2026-01-02 08:57 | 2026-01-02 08:57 | 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-01/02/2026 | 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-01/02/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027173 | Closed | 2026-02-19 11:44 | 2026-02-22 16:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 Resolved- - Due Diligence Vendor-02/22/2026 Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 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: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file contains a change of circumstance, dated XX/XX/XXXX. The loan file did not contain a revised LE/CD dated within 3 days of the COC. No Cure. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 |
XXXXXXXX_1.pdf XXXXXXXX_2.pdf XXXXXXXX_3.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027173 | Closed | 2026-02-19 11:44 | 2026-02-22 16:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 Resolved- - Due Diligence Vendor-02/22/2026 Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The loan file contains a COC dated XX/XX/XXXX for the addition of the Inspection Fee; however, the loan file is missing the initial or Revised Closing Disclosure that is associated with the COC. Compliance to be re-reviewed upin receipt of the required additional documentation. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305027173 | Closed | 2026-02-06 10:05 | 2026-02-22 16:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 Resolved- - Due Diligence Vendor-02/22/2026 Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/06/2026 Open- - Due Diligence Vendor-02/06/2026 |
Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-. - Due Diligence Vendor-02/22/2026 |
XXXXXXXX_1.pdf XXXXXXXX_2.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305028238 | Closed | 2026-03-10 15:15 | 2026-03-10 15:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding 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-03/10/2026 | 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-03/10/2026 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305029628 | Closed | 2026-01-03 13:43 | 2026-01-03 13:43 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/03/2026 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/03/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304893718 | Closed | 2025-12-16 08:50 | 2026-01-02 13:30 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304903053 | Closed | 2026-01-08 12:21 | 2026-03-09 14:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-01/21/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/21/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation to evidence the monthly property tax, hazard insurance, and XXX dues (if applicable) for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-01/08/2026 |
Resolved-. - Due Diligence Vendor-01/21/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/21/2026 |
XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304903053 | Closed | 2026-01-05 12:20 | 2026-03-06 16:03 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/21/2026 Ready for Review-Attached - Due Diligence Vendor-01/16/2026 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-01/05/2026 |
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/21/2026 |
XXXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304903053 | Closed | 2026-01-05 12:29 | 2026-01-22 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received verification of Co-Op fees. Condition cleared. - Due Diligence Vendor-01/22/2026 Ready for Review-attached - Due Diligence Vendor-01/21/2026 Counter-Received rebuttal stating REO 3a is a Co-Op, T&I are part of the Co-Op dues, and the info was previously provided. The only doc Opus can find is HOI. $XXXX.XX/month is listed on the 1003 and this amount must be verified. Please provide verification of the Co-Op dues. Condition remains. - Due Diligence Vendor-01/21/2026 Ready for Review-Attached - Due Diligence Vendor-01/16/2026 Open-Missing documentation to evidence the monthly property tax, hazard insurance, and XXX dues (if applicable) for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-01/05/2026 |
Resolved-Received verification of Co-Op fees. Condition cleared. - Due Diligence Vendor-01/22/2026 |
XXXXXXXX_1.pdf XXXXXXXX_1.pdf |
XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304903053 | Closed | 2026-01-08 13:29 | 2026-01-21 09:20 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/21/2026 Ready for Review-Attached - Due Diligence Vendor-01/16/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/08/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/21/2026 |
XXXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304893525 | Closed | 2025-12-22 13:44 | 2026-01-09 10:57 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-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-01/09/2026 | Acknowledged-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-01/09/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||||
| XXXXXXX | XXXXXXX | XXXXXXXX | 304902297 | Closed | 2025-12-18 10:16 | 2026-03-06 15:38 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/14/2026 Ready for Review-Attached - Due Diligence Vendor-01/08/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXXX.XX - Due Diligence Vendor-12/18/2025 |
Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/14/2026 |
XXXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXXXXX | XXXXXXX | XXXXXXXX | 305030913 | Closed | 2026-01-19 08:24 | 2026-01-22 11:17 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/19/2026 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/19/2026 |
XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |