J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 304333082 | 30789933 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304333082 | 30789934 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304333082 | 30789936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | xxxx | xxxx |
06/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TRID timing exception, no remediation available. | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304333082 | 30806385 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx | xxxx |
06/25/2024 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Good Faith Redisclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304356159 | 31111003 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | 2 | A | A | A | A | A | A | A | A | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304356159 | 31111057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | xxxx |
08/08/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304356159 | 31111208 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
07/30/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304363113 | 31156550 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304363113 | 31156954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304363113 | 31156956 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $380.00 exceeds tolerance of $183.00 plus 10% or $201.30. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/13/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304376597 | 31393800 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $297.95 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
08/16/2024 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304368214 | 31435318 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
08/21/2024 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304378909 | 31436670 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
09/13/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304376333 | 31438264 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304376599 | 31626819 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,451.05 exceeds tolerance of $-8,606.65. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
09/17/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304376599 | 31626821 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
09/17/2024 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304376599 | 31665113 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
09/17/2024 | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304379699 | 31643163 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
09/12/2024 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304393090 | 31762560 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304393090 | 31762561 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304671691 | 33207745 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304671691 | 33208154 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $136.50 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304671691 | 33208155 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $218.85 exceeds tolerance of $146.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304745025 | 34015432 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | xxxx |
07/28/2025 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304745025 | 34015528 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,593.75 exceeds tolerance of $-1,669.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
07/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304745025 | 34067182 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | xxxx | 2 | B | B | B | B | B | WA | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304745094 | 34002053 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | SD | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304745094 | 34002159 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | SD | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304763304 | 34150091 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |
08/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304763304 | 34155913 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
08/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304763304 | 34155923 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
08/22/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304763304 | 34155924 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
08/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304766791 | 34120158 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
08/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304766791 | 34120170 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
08/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304766791 | 34120171 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
08/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304763250 | 34128441 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128447 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128448 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128449 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128450 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128451 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128452 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128456 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304763250 | 34128495 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $21,000.00 exceeds tolerance of $20,000.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304763250 | 34128501 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
08/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304763250 | 34128523 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
08/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304763250 | 34128525 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
08/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304763250 | 34128546 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
08/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304763250 | 34133673 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
08/15/2025 | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304756795 | 34202853 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
09/30/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304756795 | 34202854 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx |
2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Rate/Term | No obvious cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304756795 | 34202855 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,612.00 exceeds tolerance of $2,425.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
09/09/2025 | 2 | C | B | C | B | C | B | C | B | C | B | OK | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304756795 | 34598641 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | OK | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304776867 | 34301224 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | xxxx | xxxx |
09/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304768918 | 34373761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,463.05 exceeds tolerance of $-11,610.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304729308 | 34444969 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | xxxx | xxxx |
08/05/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304729308 | 34444971 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx | xxxx |
08/01/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304729308 | 34444975 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $688.55 exceeds tolerance of $676.33. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304729308 | 34444976 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx |
08/05/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304736687 | 34445294 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE within 10 business days of Note is missing and is required. | xxxx |
08/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304736687 | 34445297 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
08/12/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304736687 | 34445298 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
08/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304769704 | 34445449 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
08/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304817582 | 34445463 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
08/13/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445465 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,099.00 exceeds tolerance of $6,401.00 plus 10% or $7,041.10. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445466 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445467 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445469 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
08/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304817582 | 34445470 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
08/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304817582 | 34445471 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.23957% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
08/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304817582 | 34445472 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
08/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304817582 | 34445473 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,099.00 exceeds tolerance of $6,401.00 plus 10% or $7,041.10. Sufficient or excess cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445474 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304817582 | 34445475 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | xxxx | xxxx |
08/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304826950 | 34491912 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
723 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
10/07/2025 | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||
| 304826950 | 34491914 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
10/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304826950 | 34491988 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304826950 | 34491989 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304826950 | 34491991 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304819253 | 34526733 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score is above 680. |
789 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304819253 | 34526964 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $172.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
09/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304827286 | 34638220 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $726.00 exceeds tolerance of $646.00 plus 10% or $710.60. $15.40 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304843796 | 34637236 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |
10/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304843796 | 34637238 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx | xxxx |
10/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304843796 | 34637239 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $995.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
10/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304843796 | 34637240 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
10/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304856211 | 34683078 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx |
11/08/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Second Home | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304856211 | 34683212 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $287.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
10/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304839460 | 34731362 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304839460 | 34731590 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304839460 | 34731716 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304839460 | 34731750 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304839460 | 34957259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304777352 | 34734321 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
09/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304847762 | 34752236 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MI | Second Home | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304847762 | 34752265 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304847762 | 34752340 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MI | Second Home | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304847762 | 34752341 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - xxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed | xxxx | xxxx |
12/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MI | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304847762 | 34764362 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
771 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MI | Second Home | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304854946 | 34760711 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304854946 | 34772495 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/29/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304854946 | 34772496 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/29/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304854946 | 34772503 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
10/29/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304854946 | 34772504 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 69.26609% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
10/29/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304854946 | 34772505 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
10/29/2025 | 1 | A | A | A | A | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304849253 | 34761288 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304849253 | 34761290 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304849253 | 34761292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304849253 | 34763069 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.24420% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304855017 | 34761638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304855017 | 34761639 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
11/12/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304855017 | 34763619 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304855017 | 34763620 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304855017 | 34763672 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing the most recent W2, paystub provided was dated more than 90 days prior to closing. | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304855017 | 34763673 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 62.55621% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304855017 | 34763674 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,720.00 exceeds tolerance of $5,473.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
10/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304819612 | 34851242 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
01/22/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304819612 | 34851244 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
01/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304819612 | 34851247 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $1,398.52 exceeds tolerance of $0.00. $1,398.52 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304819612 | 35607631 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | B | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304872552 | 34851693 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304874423 | 34914274 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304874423 | 34914314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304874423 | 34914315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 76.51084% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304874423 | 34914316 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304873953 | 34910933 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score is above 680. |
Good credit and employment history. Over 15 months reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/05/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Debt Consolidation | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304873953 | 34915270 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |
11/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304872654 | 34919620 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $400.00 exceeds tolerance of $347.00 plus 10% or $381.70. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/06/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304892069 | 34931758 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/07/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304892069 | 34931796 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/20/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304892069 | 35026864 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304892927 | 34942335 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
11/10/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304862179 | 34954776 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304862179 | 34954777 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304862179 | 34954778 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $270.00 exceeds tolerance of $197.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx |
11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304856890 | 34954310 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304856890 | 34954384 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
688 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/26/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||
| 304856890 | 34954414 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304848993 | 34958731 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,151.00 exceeds tolerance of $-11,626.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304848993 | 34958733 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304868309 | 34951804 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304865152 | 34953773 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $995.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304892093 | 34976241 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304892093 | 34981511 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304892093 | 34981512 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304866977 | 34974847 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $189.00 exceeds tolerance of $43.00 plus 10% or $47.30. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/13/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304873056 | 34985720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 34985721 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $557.00 exceeds tolerance of $274.00 plus 10% or $301.40. $255.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
12/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 34985722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
01/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 35337781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | B | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304875199 | 34988472 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304875199 | 34988473 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,848.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304892912 | 35014595 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/26/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304892912 | 35106913 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304840946 | 35008857 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx | xxxx |
09/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304872164 | 35033294 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/24/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304872164 | 35033295 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304872164 | 35067821 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304777971 | 35264218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/21/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304777971 | 35264219 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
09/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264220 | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264221 | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264222 | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided | xxxx | xxxx |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264223 | Credit | Missing Document | General | Missing Document | Missing Document: K-1 not provided | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264226 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
09/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304777971 | 35264227 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
09/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304777971 | 35264228 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing K-1 xxxx & xxxx for borrower xxxx businesses, compliance related | xxxx |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304777971 | 35264230 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | xxxx | xxxx |
09/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264231 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Require supporting document such K-1, Business Tax returns (xxxx) & (xxxx) for business income (losses) reported on borrower personal tax return as i) xxxx (p); ii) xxxx (P) & iii) xxxx (P). |
xxxx |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304777971 | 35264234 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304777971 | 35264235 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | xxxx | xxxx |
09/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304854996 | 35264408 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/10/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304854996 | 35264409 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304854996 | 35264410 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304854996 | 35264411 | Credit | Missing Document | General | Missing Document | Missing Document: 1040 not provided | xxxx | xxxx |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304854996 | 35264412 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Per AUS, business returns are required if business is <5 years old. CPA and borrower both state started receiving 1099 income via schedule C in xxxx. Missing xxxx 1040 tax returns and potentially transcripts. Subject to further review. | xxxx |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304854996 | 35264413 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304854996 | 35264414 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/10/2025 | 2 | A | B | B | B | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304833001 | 35264418 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | xxxx | xxxx |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304833001 | 35264419 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require third party verification within 10 days for both business income streams | xxxx |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304833001 | 35264420 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304833001 | 35264421 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304833001 | 35264422 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/13/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304833001 | 35264423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304833001 | 35264424 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $19.00 exceeds tolerance of $15.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
10/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304833001 | 35264425 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx |
11/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304833001 | 35264426 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304868777 | 35264431 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
10/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304868777 | 35264435 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
11/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304867350 | 35264516 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304867350 | 35264517 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304867350 | 35264519 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,692.00 exceeds tolerance of $1,135.00 plus 10% or $1,248.50. $1,443.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304855078 | 35264541 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
11/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304839630 | 35264607 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304839630 | 35264609 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304839630 | 35264610 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/11/2025 | 1 | B | A | B | A | B | A | B | A | B | A | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304839630 | 35264611 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304839630 | 35264613 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx |
11/24/2025 | 1 | C | A | C | A | C | A | C | A | D | A | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304839630 | 35264614 | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided | xxxx | xxxx |
11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304873970 | 35264644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,135.00 exceeds tolerance of $980.00 plus 10% or $1,078.00. $57.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873970 | 35264646 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304873970 | 35264647 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx |
11/14/2025 | 1 | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304874863 | 35264686 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2025 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304874863 | 35264689 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
11/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304874863 | 35264691 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | xxxx | xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304874863 | 35264692 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification for xxxx Compliance related |
xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304874863 | 35264693 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/25/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304874863 | 35264694 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304877455 | 35264703 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304877455 | 35264704 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/13/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304877455 | 35264707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | xxxx |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304868803 | 35264732 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304868803 | 35264733 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
11/19/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NC | Second Home | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304868803 | 35264735 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304868803 | 35264736 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $102.30 exceeds tolerance of $0.00. $102.30 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304868803 | 35264737 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $330.00 exceeds tolerance of $165.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304868803 | 35264738 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-658.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304868803 | 35264739 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $330.00 exceeds tolerance of $165.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
11/18/2025 | 1 | A | A | A | A | A | NC | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304871608 | 35264794 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. | - | xxxx | xxxx |
11/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304871608 | 35264795 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. | - | xxxx | xxxx |
11/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304871608 | 35264797 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx | xxxx |
11/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304871608 | 35264800 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx | xxxx |
11/24/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304871608 | 35264802 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx | xxxx |
11/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304871608 | 35264803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx | xxxx |
11/24/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304789459 | 35583659 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1084 or income worksheet is missing in file. | xxxx |
09/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304789459 | 35583660 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304789459 | 35583661 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxx | xxxx |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304789459 | 35583663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/01/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OR | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||
| 304789459 | 35583664 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304789459 | 35583667 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | xxxx | xxxx |
09/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304789459 | 35583668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/01/2025 | 2 | A | B | B | B | A | OR | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304828976 | 35583738 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304828976 | 35583739 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304828976 | 35583740 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | xxxx | xxxx |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304828976 | 35583741 | Credit | Missing Document | General | Missing Document | Missing Document: Transcripts not provided | xxxx | xxxx |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304828976 | 35583742 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing xxxx 1040 transcripts for B1 for schedule E income used Missing xxxx and xxxx W2 or 1040 transcripts for B2 for other income used to qualify. Compliance related |
xxxx |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304828976 | 35583743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/08/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304828976 | 35583744 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304856849 | 35583932 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
12/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875947 | 35583965 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875947 | 35583966 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxx | xxxx |
12/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875947 | 35583967 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/13/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304875947 | 35583969 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $24,000.00 exceeds tolerance of $23,720.00. $280.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx |
11/20/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304875947 | 35583971 | Credit | Missing Document | General | Missing Document | Missing Document: Transcripts - No Results Returned not provided | xxxx | xxxx |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875995 | 35584188 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | xxxx | xxxx |
12/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875995 | 35584189 | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided | xxxx | xxxx |
12/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304875995 | 35584190 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | xxxx | xxxx |
12/03/2025 | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304875995 | 35584191 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | After further review the the third party verification used at initial review was from CFO of the entity which borrower owns 100% of. CFO is essentially borrower paid employee. Need CPA or state records to verify business within 10 day of closing. Compliance related |
xxxx |
12/29/2025 | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304875995 | 35584192 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/29/2025 | 1 | A | A | A | A | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304875995 | 35584193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/29/2025 | 1 | A | A | A | A | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304909068 | 35584194 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | xxxx |
12/08/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304909068 | 35584196 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |
12/02/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304909068 | 35584197 | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. | xxxx |
11/25/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304859768 | 35861262 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304859768 | 35861263 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304859768 | 35861264 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304859768 | 35861265 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304859768 | 35861268 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx |
12/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304859768 | 35861269 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
12/30/2025 | 1 | B | A | B | A | B | A | B | A | B | A | IA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304872036 | 35861296 | Property | Valuation | Guideline | Valuation | Property is in a declining market. | xxxx | xxxx |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304872036 | 35861298 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require WVOE from xxxx to verify two year history of bonus and base income. Credit Related | xxxx |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304872036 | 35861300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304872036 | 35861302 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/11/2025 | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304872036 | 35861303 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304872036 | 35861305 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | xxxx | xxxx |
12/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |