Exhibit 99.03 Schedule 4
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 4000074299 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2025-04-24 22:12 | 2025-08-06 19:21 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan
is a Business Purpose loan. - Due Diligence Vendor-05/21/2025 Ready for Review-Could you please provide an investor's income calculation sheet? - Seller-05/19/2025 Counter-Received bank statement worksheet-Provide supporting documentation large deposits are income based Omitted deposits: XXXX. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Please see attached - Seller-05/15/2025 Counter-Provide PDF of business bank statement analysis and supporting documentation for large deposits. - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. The income breakdown is in the income calc if you need it. See below for reference. Additionally, the borrower is in the XXXX, so there are larger deposits during the beginning of spring to the end of summer due to cyclicality of XXXX having higher demand during these times. Does not seem to be large deposits with this in mind. - Seller-05/09/2025 Counter-Missing lenders bank statement analysis. Audit determined qualifying income as $14,334.08. Omitted deposits: XXXX. Provide supporting documentation large deposits are income based and provide lenders bank statement analysis. - Due Diligence Vendor-05/09/2025 Ready for Review-Can you clarify what large deposits you are referring to ? - Seller-05/08/2025 Counter-Pending lenders bank statement worksheet and supporting documentation confirm large deposits are income. - Due Diligence Vendor-04/30/2025 Ready for Review-Could you please elaborate how you got the DTI of 51.29%? per our calculation DTI is 44.76% - Seller-04/29/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guideline limit - Due Diligence Vendor-04/25/2025 |
Ready for Review-Could you please provide an investor's income
calculation sheet? - Seller-05/19/2025
Ready for Review-Document Uploaded. Please see attached - Seller-05/15/2025 Ready for Review-Document Uploaded. The income breakdown is in the income calc if you need it. See below for reference. Additionally, the borrower is in the XXXX, so there are larger deposits during the beginning of spring to the end of summer due to cyclicality of XXXX having higher demand during these times. Does not seem to be large deposits with this in mind. - Seller-05/09/2025 Ready for Review-Can you clarify what large deposits you are referring to ? - Seller-05/08/2025 Ready for Review-Could you please elaborate how you got the DTI of 51.29%? per our calculation DTI is 44.76% - Seller-04/29/2025 |
Resolved-The Final Reviewed QM Status is acceptable or the loan
is a Business Purpose loan. - Due Diligence Vendor-05/21/2025 |
Months Reserves exceed minimum required - o 8 Months reserves; 4
months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 739 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3958549 | |
| XXXX | XXXX | 4000074299 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2025-04-24 22:23 | 2025-05-21 14:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the lender's guidelines do not
require the source of large deposits into business accounts. - Due Diligence
Vendor-05/21/2025 Ready for Review-Document Uploaded. The income breakdown is in the income calc if you need it. See below for reference. Additionally, the borrower is in the XXXX, so there are larger deposits during the beginning of spring to the end of summer due to cyclicality of XXXX having higher demand during these times. Does not seem to be large deposits with this in mind. - Seller-05/09/2025 Counter-Missing lenders bank statement analysis. Audit determined qualifying income as $14,334.08. Omitted deposits: XXXX. Provide supporting documentation large deposits are income based and provide lenders bank statement analysis. - Due Diligence Vendor-04/30/2025 Ready for Review-Could you please elaborate how you got the DTI of 51.29%? per our calculation DTI is 44.76% - Seller-04/29/2025 Open-Audited DTI of 51.29% exceeds Guideline DTI of 49.99% BANK STATEMENTS INCLUDED LARGE DEPOSITS THAT EXCEED AVG DEPOSITS that were not sourced. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. The income breakdown is in
the income calc if you need it. See below for reference. Additionally, the
borrower is in the XXXX, so there are larger deposits during the beginning of
spring to the end of summer due to cyclicality of XXXX having higher demand
during these times. Does not seem to be large deposits with this in mind. -
Seller-05/09/2025 Ready for Review-Could you please elaborate how you got the DTI of 51.29%? per our calculation DTI is 44.76% - Seller-04/29/2025 |
Resolved-After further review, the lender's guidelines do not
require the source of large deposits into business accounts. - Due Diligence
Vendor-05/21/2025 |
Months Reserves exceed minimum required - o 8 Months reserves; 4
months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 739 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3958560 | |
| XXXX | XXXX | 4000074299 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-24 22:04 | 2025-05-21 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded. Soft pull attached - Seller-04/29/2025 Open-Borrower 1 Gap Credit Report is Missing GAP MISSING \ - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Soft pull attached -
Seller-04/29/2025 |
Resolved-Received Gap report. - Due Diligence
Vendor-04/30/2025 |
Months Reserves exceed minimum required - o 8 Months reserves; 4
months reserves required Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 739 ; guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3958535 | |
| XXXX | XXXX | 4000080150 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-06-13 20:52 | 2025-06-25 15:25 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement XXXX. - Due
Diligence Vendor-06/25/2025 Ready for Review-please see uploaded PCCD - Seller-06/24/2025 Ready for Review-Document Uploaded. - Seller-06/24/2025 Counter-Please provide the PCCD to verify the Disbursement date. - Due Diligence Vendor-06/19/2025 Ready for Review-Hello since loan was funded XXXX Hazard Insurance effective date is valid being XXXX please waive condition - Seller-06/17/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-06/14/2025 |
Ready for Review-please see uploaded PCCD - Seller-06/24/2025
Ready for Review-Document Uploaded. - Seller-06/24/2025 Ready for Review-Hello since loan was funded XXXX Hazard Insurance effective date is valid being XXXX please waive condition - Seller-06/17/2025 |
Resolved-Received PCCD confirming disbursement XXXX. - Due
Diligence Vendor-06/25/2025 |
Credit history exceeds minimum required - Credit history exceeds
minimum required Qualifying FICO score is at least 20 points above minimum for program - 716 FICO higher than 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4448043 | |
| XXXX | XXXX | 4000080150 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-06-12 12:42 | 2025-06-20 10:03 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Mortgage w/Legal - Due Diligence
Vendor-06/20/2025 Ready for Review-Document Uploaded. PLease see attached DOT - Seller-06/19/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not attached to Mortgage. - Due Diligence Vendor-06/12/2025 |
Ready for Review-Document Uploaded. PLease see attached DOT - Seller-06/19/2025 |
Resolved-Received Recorded Mortgage w/Legal - Due Diligence
Vendor-06/20/2025 |
Credit history exceeds minimum required - Credit history exceeds
minimum required Qualifying FICO score is at least 20 points above minimum for program - 716 FICO higher than 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4426896 | |
| XXXX | XXXX | 4000080150 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2025-06-13 21:34 | 2025-06-19 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received missing Assets. Audited Reserves of 4.93
month(s) are greater than or equal to Guideline Required Reserves of 4
month(s) - Due Diligence Vendor-06/19/2025 Ready for Review-Document Uploaded. Borrower has XXXX) to cover reserves. - Seller-06/17/2025 Open-Audited Reserves of 1.88 month(s) are less than Guideline Required Reserves of 4 month(s) Provide missing assets - Due Diligence Vendor-06/14/2025 |
Ready for Review-Document Uploaded. Borrower has XXXX to cover
reserves. - Seller-06/17/2025 |
Resolved-Received missing Assets. Audited Reserves of 4.93
month(s) are greater than or equal to Guideline Required Reserves of 4
month(s) - Due Diligence Vendor-06/19/2025 |
Credit history exceeds minimum required - Credit history exceeds
minimum required Qualifying FICO score is at least 20 points above minimum for program - 716 FICO higher than 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4448394 | |
| XXXX | XXXX | 4000080150 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-06-13 21:21 | 2025-06-19 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-06/19/2025
Ready for Review-Document Uploaded. Soft pull attached - Seller-06/17/2025 Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-06/16/2025 |
Ready for Review-Document Uploaded. Soft pull attached -
Seller-06/17/2025 |
Resolved-Received Gap Report. - Due Diligence
Vendor-06/19/2025 |
Credit history exceeds minimum required - Credit history exceeds
minimum required Qualifying FICO score is at least 20 points above minimum for program - 716 FICO higher than 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 4448205 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FCRE1198 | 2025-06-19 14:32 | 2025-07-03 10:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-XXXX - Final Settlement Statement indicates extra
deposit to title of XXXX - Due
Diligence Vendor-07/03/2025 Counter-1003 received reflect: Checking closing fund XXXX--audit is unable to validate. Finding remains - Due Diligence Vendor-07/02/2025 Ready for Review-Document Uploaded. Please see uploaded Final Settlement Statement issued by Escrow that authenticates the transactions thus, proving the funds were available and used. Please reconsider the condition as it shows the funds were sufficient before the time of disbursement and the required reserves are available. - Seller-07/01/2025 Counter-Documentation received is insufficient-corrected 1003 reflects XXXX-reviewer is unable to confirm. Finding remains. - Due Diligence Vendor-06/30/2025 Ready for Review-Document Uploaded. Please review the updated 1008 and 1003 - Seller-06/27/2025 Counter-Review considered disbursement date of XXXX as final CD-audit reserves insufficient. 1 month verified and 9 months required. - Due Diligence Vendor-06/26/2025 Ready for Review-Document Uploaded. The disbursement was made on XXXX and the Final CD was issued on XXXX. Please review the Final Settlement Statement issued from ESCROW which the PCCD was reflected. As this signifies the borrower has sufficient reserves per guideline requirements, please review and waive the condition - Seller-06/25/2025 Counter-Received PCCD dated prior to final CD XXXX. Original finding remains. - Due Diligence Vendor-06/24/2025 Ready for Review-Document Uploaded. Please see attached, borrower has sufficient reserves per guideline requirements. Please review and waive the condition - Seller-06/23/2025 Open-Audited Reserves of 1.17 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-06/20/2025 |
Ready for Review-Document Uploaded. Please see uploaded Final
Settlement Statement issued by Escrow that authenticates the transactions
thus, proving the funds were available and used. Please reconsider the
condition as it shows the funds were sufficient before the time of
disbursement and the required reserves are available. - Seller-07/01/2025 Ready for Review-Document Uploaded. Please review the updated 1008 and 1003 - Seller-06/27/2025 Ready for Review-Document Uploaded. The disbursement was made on XXXX and the Final CD was issued on XXXX. Please review the Final Settlement Statement issued from ESCROW which the PCCD was reflected. As this signifies the borrower has sufficient reserves per guideline requirements, please review and waive the condition - Seller-06/25/2025 Ready for Review-Document Uploaded. Please see attached, borrower has sufficient reserves per guideline requirements. Please review and waive the condition - Seller-06/23/2025 |
Resolved-XXXX - Final Settlement Statement indicates extra
deposit to title of XXXX - Due Diligence Vendor-07/03/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4501857 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FCRE1325 | 2025-06-19 14:00 | 2025-06-26 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received business internet phone validation. - Due Diligence Vendor-06/26/2025 Ready for Review-Document Uploaded. Please see uploaded XXXX search where the phone # is present - Seller-06/25/2025 Counter-Received CTEC letter and validation-missing business internet phone search. - Due Diligence Vendor-06/24/2025 Ready for Review-Document Uploaded. CTEC Letter was already present in the CP - Seller-06/23/2025 Open-Borrower 1 CPA Letter Missing Reduced loan - 2 years self-employment required and Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-06/20/2025 |
Ready for Review-Document Uploaded. Please see uploaded XXXX
search where the phone # is present - Seller-06/25/2025 Ready for Review-Document Uploaded. CTEC Letter was already present in the CP - Seller-06/23/2025 |
Resolved-Received business internet phone validation. - Due Diligence Vendor-06/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4501327 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FCRE1202 | 2025-06-19 14:18 | 2025-06-24 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received acknowledgment of Fraud Report Score >800.
- Due Diligence Vendor-06/24/2025 Ready for Review-Document Uploaded. UW CERT was already present in Closing Pkg - Seller-06/23/2025 Open-Third Party Fraud Report Partially Provided · Fraud Report – Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager. You can generate through Fraud Screen indicating Fraud Report as Partial. See page 466 - Due Diligence Vendor-06/19/2025 |
Ready for Review-Document Uploaded. UW CERT was already present
in Closing Pkg - Seller-06/23/2025 |
Resolved-Received acknowledgment of Fraud Report Score >800.
- Due Diligence Vendor-06/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4501610 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FCRE5782 | 2025-06-19 14:14 | 2025-06-24 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-06/24/2025 Ready for Review-Document Uploaded. please see attached Credit Refresh - Seller-06/23/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/20/2025 |
Ready for Review-Document Uploaded. please see attached Credit
Refresh - Seller-06/23/2025 |
Resolved-Received credit refresh. - Due Diligence
Vendor-06/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4501550 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FCRE1510 | 2025-06-19 13:14 | 2025-06-24 11:58 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-06/24/2025 Ready for Review-Document Uploaded. Attached document was already present in the closing package. Please see attached for Exhibit A - Seller-06/23/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the Mortgage - Due Diligence Vendor-06/19/2025 |
Ready for Review-Document Uploaded. Attached document was
already present in the closing package. Please see attached for Exhibit
A - Seller-06/23/2025 |
Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-06/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4500629 | |
| XXXX | XXXX | 4000080144 | D | A | D | A | A | A | D | A | Closed | FPRO1253 | 2025-06-23 11:12 | 2025-06-23 14:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA provided supporting value. - Due Diligence Vendor-06/23/2025 Open-Missing a desk review as a CU and LCA are not acceptable secondary valuation products. - Due Diligence Vendor-06/23/2025 |
Resolved-CDA provided supporting value. - Due Diligence Vendor-06/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Mid FICO 735 is higher than the required 700 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4527268 | ||
| XXXX | XXXX | 4000080496 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-07-09 04:35 | 2025-07-17 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh. - Due Diligence
Vendor-07/17/2025 Ready for Review-Document Uploaded. Please review the Gap Credit Report. - Seller-07/16/2025 Open-Borrower 1 Gap Credit Report is Missing -Missing Gap Credit Report - Due Diligence Vendor-07/09/2025 |
Ready for Review-Document Uploaded. Please review the Gap Credit
Report. - Seller-07/16/2025 |
Resolved-Received Credit Refresh. - Due Diligence
Vendor-07/17/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO 724 is higher than Guideline Min FICO of 660 LTV is less than guideline maximum - Qualifying LTV 35.71% is lower than 80% max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4745029 | |
| XXXX | XXXX | 4000080496 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-07-07 18:24 | 2025-07-07 18:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-07/07/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-07/07/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO 724 is higher than Guideline Min FICO of 660 LTV is less than guideline maximum - Qualifying LTV 35.71% is lower than 80% max allowed |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4715264 | |||
| XXXX | XXXX | 4000093991 | D | B | D | A | B | B | A | A | Closed | FPRO1255 | 2025-08-28 10:11 | 2026-02-02 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, this is a site condo and a condo
questionnaire is not required. - Due Diligence Vendor-09/22/2025 Ready for Review-No documet : Subject property is condo detached hence is exempt from condo review. please request wavied conditon - Seller-09/22/2025 Counter-Documentation was not attached. - Due Diligence Vendor-09/19/2025 Ready for Review-Subject property is condo detached hence is exempt from condo review. please request wavied conditon - Seller-09/17/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA questionnaire. Additional conditions may apply pending review of the questionnaire. - Due Diligence Vendor-08/28/2025 |
Ready for Review-No documet : Subject property is condo detached hence is exempt from condo review. please request wavied conditon - Seller-09/22/2025 Ready for Review-Subject property is condo detached hence is exempt from condo review. please request wavied conditon - Seller-09/17/2025 |
Resolved-After further review, this is a site condo and a condo
questionnaire is not required. - Due Diligence Vendor-09/22/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borrowers FICO is 717 and minimum is 660 Qualifying DTI below maximum allowed - DTI 43% maximum DTI is 49.99% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5345900 | ||
| XXXX | XXXX | 4000093991 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-08-31 10:44 | 2025-09-22 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit provided. - Due Diligence Vendor-09/22/2025
Ready for Review-Document Uploaded. - Seller-09/22/2025 Counter-Document was not attached. - Due Diligence Vendor-09/19/2025 Ready for Review-SOFT PULL - Seller-09/17/2025 Open-Borrower 1 Gap Credit Report is Missing MIssing Gap Credit Report for B1 - Due Diligence Vendor-08/31/2025 |
Ready for Review-Document Uploaded. - Seller-09/22/2025 Ready for Review-SOFT PULL - Seller-09/17/2025 |
Resolved-Gap credit provided. - Due Diligence
Vendor-09/22/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borrowers FICO is 717 and minimum is 660 Qualifying DTI below maximum allowed - DTI 43% maximum DTI is 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5371932 | |
| XXXX | XXXX | 4000093991 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-08-26 14:40 | 2025-08-26 14:40 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/26/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borrowers FICO is 717 and minimum is 660 Qualifying DTI below maximum allowed - DTI 43% maximum DTI is 49.99% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5323565 | |||
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-09-02 06:59 | 2025-10-06 16:34 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Escrow instructions provided correcting vesting. - Due
Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please see updated escrow instruction - Seller-10/01/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT signed by borrower only, but title indicate title is vested in the name of XXXX. - Due Diligence Vendor-09/02/2025 |
Ready for Review-Document Uploaded. Please see updated escrow
instruction - Seller-10/01/2025 |
Resolved-Escrow instructions provided correcting vesting. - Due
Diligence Vendor-10/06/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5375602 | |
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE0082 | 2025-09-03 14:20 | 2025-10-03 16:07 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Upon further review, the Property Detail report
confirms the Quit Claim Deed from XXXX - Due Diligence Vendor-10/03/2025 Ready for Review-the grant deed is already provided quitclaim deed is not required, XXXX has been removed please waive condition - Seller-10/01/2025 Counter-Missing quitclaim deed removing the single woman from title and convey to borrower. - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/26/2025 Counter-Please provide fully executed Grant Deed. - Due Diligence Vendor-09/18/2025 Ready for Review-Document Uploaded. Grant Deed attached - Seller-09/16/2025 Open-Vested Owner Signature Requirement Not met. Missing Grant Deed from XXXX conveying interest to the borrower - Due Diligence Vendor-09/03/2025 |
Ready for Review-the grant deed is already provided quitclaim
deed is not required, XXXX has been removed please waive condition - Seller-10/01/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/26/2025 Ready for Review-Document Uploaded. Grant Deed attached - Seller-09/16/2025 |
Resolved-Upon further review, the Property Detail report
confirms the Quit Claim Deed from XXXX - Due Diligence Vendor-10/03/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5398669 | |
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2025-09-02 07:40 | 2025-09-16 15:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC. - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 Open-All Interested Parties Not Checked with Exclusionary Lists • Fraud: XXXX from the Desk Review not reflected on Parties Checked. - Due Diligence Vendor-09/02/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-09/12/2025 |
Resolved-Received OFAC. - Due Diligence Vendor-09/16/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5375914 | |
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2025-09-02 07:40 | 2025-09-16 15:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 Open-OFAC Check Not Completed and/or Cleared • Fraud: XXXX from the Desk Review not reflected on Parties Checked. - Due Diligence Vendor-09/02/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-09/12/2025 |
Resolved-Received OFAC - Due Diligence Vendor-09/16/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5375915 | |
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-09-02 07:33 | 2025-09-10 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence
Vendor-09/10/2025 Ready for Review-Document Uploaded. Soft pull attached - Seller-09/08/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/02/2025 |
Ready for Review-Document Uploaded. Soft pull attached -
Seller-09/08/2025 |
Resolved-Received credit refresh. - Due Diligence
Vendor-09/10/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5375832 | |
| XXXX | XXXX | 4000091458 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-09-03 14:13 | 2025-09-10 15:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of Enrolled Agent license. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please see cpa search - Seller-09/09/2025 Open-Borrower 1 CPA Letter Missing Missing CPA verification to confirm documents not prepared by PTINs as they are not acceptable per guideline. - Due Diligence Vendor-09/03/2025 |
Ready for Review-Document Uploaded. Please see cpa search -
Seller-09/09/2025 |
Resolved-Received validation of Enrolled Agent license. - Due Diligence Vendor-09/10/2025 |
Months Reserves exceed minimum required - Total qualifying
3.64 months reserves; 0 months
reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 732 and Guideline minimum 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5398485 | |
| XXXX | XXXX | 4000093990 | D | B | D | A | B | B | A | A | Closed | FCRE1198 | 2025-09-09 12:20 | 2025-09-18 11:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD reflecting sufficient reserves. - Due
Diligence Vendor-09/18/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-09/16/2025 Open-Audited Reserves of 3.96 month(s) are less than Guideline Required Reserves of 4 month(s) Short reserves by $201.97. - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-09/16/2025 |
Resolved-Received PCCD reflecting sufficient reserves. - Due
Diligence Vendor-09/18/2025 |
Qualifying DTI below maximum allowed - 30.49% DTI below max
allowed of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO is 746, minimum FICO is 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5468099 | |
| XXXX | XXXX | 4000093990 | D | B | D | A | B | B | A | A | Closed | FCRE7375 | 2025-09-11 17:41 | 2025-09-16 16:11 | Resolved | 1 - Information | C | A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Upon further review, VISA is sufficient. - Due
Diligence Vendor-09/16/2025 Ready for Review-Visa Type: XXXX visa itself grants them permission to work, please waive condition - Seller-09/12/2025 Open-Missing EAD card per guidelines - Due Diligence Vendor-09/11/2025 |
Ready for Review-Visa Type: XXXX visa itself grants them
permission to work, please waive condition - Seller-09/12/2025 |
Resolved-Upon further review, VISA is sufficient. - Due
Diligence Vendor-09/16/2025 |
Qualifying DTI below maximum allowed - 30.49% DTI below max
allowed of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO is 746, minimum FICO is 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5508829 | ||
| XXXX | XXXX | 4000093990 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2025-09-11 17:58 | 2025-09-16 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer verification - Due Diligence
Vendor-09/16/2025 Ready for Review-Document Uploaded. CPA verification attached - Seller-09/12/2025 Open-Borrower 1 CPA Letter Missing Missing CPA validation to ensure EA and not completed by PTIN as documents completed by a PTIN are not acceptable - Due Diligence Vendor-09/11/2025 |
Ready for Review-Document Uploaded. CPA verification attached -
Seller-09/12/2025 |
Resolved-Received tax preparer verification - Due Diligence
Vendor-09/16/2025 |
Qualifying DTI below maximum allowed - 30.49% DTI below max
allowed of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO is 746, minimum FICO is 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5508956 | |
| XXXX | XXXX | 4000093990 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2025-09-09 11:25 | 2025-09-16 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence
Vendor-01/30/2026 Ready for Review-Document Uploaded. soft pull provided - Seller-09/12/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. soft pull provided -
Seller-09/12/2025 |
Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence
Vendor-01/30/2026 |
Qualifying DTI below maximum allowed - 30.49% DTI below max
allowed of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO is 746, minimum FICO is 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5465806 | |
| XXXX | XXXX | 4000093990 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-09-06 10:43 | 2025-09-06 10:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/06/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-09/06/2025 |
Qualifying DTI below maximum allowed - 30.49% DTI below max
allowed of 49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO is 746, minimum FICO is 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5439451 | |||
| XXXX | XXXX | 4000083331 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000084399 | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2025-09-04 13:04 | 2025-10-10 10:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC explaining increase in credit report
fee. Finding Resolved. - Due Diligence
Vendor-10/10/2025 Ready for Review-Document Uploaded. - Seller-10/09/2025 Ready for Review-----Received copy of final CD XXXX. Zero (0%) tolerance fees increased by $84.57 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $84.57, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $84.57.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $84.57 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $84.57, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX. - Due Diligence Vendor-09/04/2025 |
Ready for Review-Document Uploaded. - Seller-10/09/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 |
Resolved------Received COC explaining increase in credit report
fee. Finding Resolved. - Due Diligence
Vendor-10/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 705 minimum score 660. Qualifying DTI below maximum allowed - DTI 30.57% max 55%. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5412907 | |
| XXXX | XXXX | 4000084399 | C | A | C | A | C | A | A | A | Closed | FCRE5790 | 2025-09-05 15:50 | 2025-10-02 16:36 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Gap Report received - No New Debts - Due
Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit is greater than 10 days from closing. - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. - Seller-09/30/2025 |
Resolved-Updated Gap Report received - No New Debts - Due
Diligence Vendor-10/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 705 minimum score 660. Qualifying DTI below maximum allowed - DTI 30.57% max 55%. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5434015 | |
| XXXX | XXXX | 4000084399 | C | A | C | A | C | A | A | A | Closed | FCRE1151 | 2025-09-05 15:19 | 2025-10-02 16:34 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title provided - Due Diligence
Vendor-10/02/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-Unsatisfactory Chain of Title provided. Per guides, all files must contain a 24-month title history. Transfer date, price, and buyer and Seller names should be provided for any transfers that occurred within the past 24 months. Missing 24-month chain of title. Additional conditions may apply. - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. - Seller-09/30/2025 |
Resolved-Satisfactory Chain of Title provided - Due Diligence
Vendor-10/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 705 minimum score 660. Qualifying DTI below maximum allowed - DTI 30.57% max 55%. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5433379 | |
| XXXX | XXXX | 4000084399 | C | A | C | A | C | A | A | A | Closed | FCRE1254 | 2025-09-05 15:19 | 2025-10-02 16:34 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Updated Chain of Tile confirms Deed to Individual,
Correct Loan Amount and Mortgage on title - Due Diligence Vendor-10/02/2025
Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-Property Title Issue Updated title report is required to verify the proposed insured individual is the borrower; provide title vesting information that shows title to be held by an individual and not a business entity; provide the current mortgage/lender securing the property that is being paid off through the subject refinance; and provide the correct loan amount of XXXX. Additional conditions may apply. It should be noted an email in file from XXXX indicates the title company missed the recorded mortgage and a revised title commitment was being worked on. The email also indicated a copy of the missed recorded mortgage was provided. However, a copy of the recorded mortgage and an updated title commitment are missing from the loan file. - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. - Seller-09/30/2025 |
Resolved-Updated Chain of Tile confirms Deed to Individual,
Correct Loan Amount and Mortgage on title - Due Diligence
Vendor-10/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 705 minimum score 660. Qualifying DTI below maximum allowed - DTI 30.57% max 55%. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5433378 | |
| XXXX | XXXX | 4000093993 | C | A | C | A | A | A | A | A | Closed | FCOM7353 | 2025-09-08 15:30 | 2025-09-23 10:27 | Resolved | 1 - Information | C | A | Credit | Borrower | Clarification of Application Date | Resolved-Received LE. -
Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 Open------ LE issued before application date per LDR & 1003 - Due Diligence Vendor-09/08/2025 |
Ready for Review-Document Uploaded. Please see attached. -
Seller-09/19/2025 |
Resolved-Received LE. -
Due Diligence Vendor-09/23/2025 |
Months Reserves exceed minimum required - 11.18mos reserves. Per
guides, 4mos reserves required. Qualifying DTI below maximum allowed - DTI = 29.06% - Max DTI = 49.99% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5455542 | |
| XXXX | XXXX | 4000088153 | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2025-09-09 09:08 | 2025-11-24 16:24 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Originator waiver applied to non-material finding with
compensating factors. - Due Diligence Vendor-11/24/2025 Counter-Received Taxes and HOA for 3c, Taxes for 3f, HOA for 3f, HOA for 3d. Still missing 3a Taxes and HOI, 3B Taxes, 3d Taxes and HOI, 3e Taxes, HOI, and HOA, 3f HOI. - Due Diligence Vendor-10/28/2025 Ready for Review-Document Uploaded. - Seller-10/27/2025 Open-Missing verification of taxes, insurance and HOA- 3B Hazard ins. , 3C HOA, 3D and 3E taxes, insurance and if HOA. - Due Diligence Vendor-09/09/2025 |
Ready for Review-Document Uploaded. - Seller-10/27/2025 |
Waived-Originator waiver applied to non-material finding with
compensating factors. - Due Diligence Vendor-11/24/2025 |
LTV is less than guideline maximum - 80% LTV below max allowed
of 85% Months Reserves exceed minimum required - 27.16 months PITIA reserves; 3 months reserves required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5463185 | |
| XXXX | XXXX | 4000088153 | D | B | D | B | A | A | A | A | Closed | FCRE3978 | 2025-09-09 08:36 | 2025-09-15 17:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Upon further review, LOE is not required by the
guidelines. - Due Diligence Vendor-09/15/2025 Ready for Review-not in our guidelines - delinquency was in XXXX - this is within out guidelines - 1x60x24 is allowed - see matrix - Seller-09/11/2025 Open-Missing Letter of explanation: Borrower had a 60 days past due on current primary residence XXXX . - Due Diligence Vendor-09/10/2025 |
Ready for Review-not in our guidelines - delinquency was in XXXX - this is within
out guidelines - 1x60x24 is allowed -
see matrix - Seller-09/11/2025 |
Resolved-Upon further review, LOE is not required by the
guidelines. - Due Diligence Vendor-09/15/2025 |
LTV is less than guideline maximum - 80% LTV below max allowed
of 85% Months Reserves exceed minimum required - 27.16 months PITIA reserves; 3 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5462823 | ||
| XXXX | XXXX | 4000093676 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-09-09 13:10 | 2025-09-09 13:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/09/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-09/09/2025 |
LTV is less than guideline maximum - Qualifying LTV/CLTV 47.62%;
max allowable 80% LTV/CLTV Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 797; guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5469091 | |||
| XXXX | XXXX | 4000094005 | D | A | D | A | A | A | A | A | Closed | FCRE1248 | 2025-09-15 23:26 | 2025-09-26 10:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received revised appraisal confirming
relationship. - Due Diligence
Vendor-09/26/2025 Ready for Review-Document Uploaded. Please review the appraisal report and the addendum again. It confirms the non-arm's transaction. "After the report was submitted, the appraiser obtained additional information from the homeowner confirming that the borrower, XXXX are related. Please note the For Sale By Owner (FSBO) non-arm’s length transaction" - Seller-09/24/2025 Counter-Missing reasonable explanation of relationship-letter, contract addendum as per guidelines 7.5. Finding remains. - Due Diligence Vendor-09/23/2025 Ready for Review-Please review the guideline 7.5 Non‐Arm’s Length Transactions section again. non-arm's transcation is allowed for Primary residence, second homes and investment properties. - Seller-09/19/2025 Open-Non-Arm's Length Transactions Not Allowed for Program Subject is a non-arms length transaction, buyer and seller are related. Missing the explanation of the non-arms length transaction required by the guidelines. - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. Please review the appraisal
report and the addendum again. It confirms the non-arm's transaction.
"After the report was submitted, the appraiser obtained additional information from the homeowner confirming that the borrower, XXXX are related. Please note the For Sale By Owner (FSBO) non-arm’s length transaction" - Seller-09/24/2025 Ready for Review-Please review the guideline 7.5 Non‐Arm’s Length Transactions section again. non-arm's transcation is allowed for Primary residence, second homes and investment properties. - Seller-09/19/2025 |
Resolved-Received revised appraisal confirming
relationship. - Due Diligence
Vendor-09/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 765; guidelines require 660 Months Reserves exceed minimum required - 30.64 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5546954 | |
| XXXX | XXXX | 4000094005 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-09-17 16:10 | 2025-09-26 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of no HOA. - Due Diligence Vendor-09/26/2025 Ready for Review-XXXX. Please waive this condition. - Seller-09/24/2025 Counter-Received property profiles-provide corrected final 1003 as 3b reflects XXXX reo expense. - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. No HOA exists for these two REOs. They are both SFR. - Seller-09/19/2025 Open-Missing verification of the HOA dues listed on the application for the properties 3a and 3c listed ont he application. - Due Diligence Vendor-09/17/2025 |
Ready for Review-XXXX. Please waive this condition. - Seller-09/24/2025 Ready for Review-Document Uploaded. No HOA exists for these two REOs. They are both SFR. - Seller-09/19/2025 |
Resolved-Received confirmation of no HOA. - Due Diligence Vendor-09/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 765; guidelines require 660 Months Reserves exceed minimum required - 30.64 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5576317 | |
| XXXX | XXXX | 4000094005 | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2025-09-16 00:32 | 2025-09-23 09:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence
Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached. - Seller-09/19/2025 Open-LOX for credit inquiries is missing. Missing the letter of explanation for the credit inquireis on the credit report. - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. Please find the
attached. - Seller-09/19/2025 |
Resolved-Received credit inquiry LOE. - Due Diligence
Vendor-09/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 765; guidelines require 660 Months Reserves exceed minimum required - 30.64 months reserves; 4 months reserves required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5547096 | |
| XXXX | XXXX | 4000097986 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000097569 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000084725 | D | B | D | B | A | A | A | A | Closed | FCRE0969 | 2025-09-22 09:59 | 2025-12-01 12:13 | Waived | 2 - Non-Material | B | B | Credit | Closing | Prepayment Penalty Issue | Waived-Per XXXX . Originator waiver applied to non-material
finding. Loan closed in entity name. - Due Diligence Vendor-12/01/2025 Open-A PPP cannot be applied to an individual or LLC in XXXX - Due Diligence Vendor-12/01/2025 |
Waived-Per NJ Department of Banking & Insurance N.J.S.A
46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and
S-Corp specifically. Under NJ Law a prepayment penalty is not permitted to be
charged to an LLC. Originator waiver applied to non-material finding. Loan
closed in entity name. - Due Diligence Vendor-12/01/2025 |
Qualifying DTI below maximum allowed - DTI is 32.45% and max
allowed is 50% Qualifying FICO score is at least 20 points above minimum for program - Score is 792 and minimum allowed is 700 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5616577 | |||
| XXXX | XXXX | 4000084725 | D | B | D | B | A | A | A | A | Closed | FCRE1334 | 2025-09-22 08:51 | 2025-10-13 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 1 Executed 4506-T/4506-C. - Due
Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. 4506 - Seller-10/01/2025 Counter-Loan closed with full income documentation. Please provide 4506. - Due Diligence Vendor-09/26/2025 Ready for Review-a 4506 should not be required on a bank statement loan - Seller-09/25/2025 Open-Borrower 1 Executed 4506-T/4506-C is Missing. 4506 C is required. - Due Diligence Vendor-09/22/2025 |
Ready for Review-Document Uploaded. 4506 - Seller-10/01/2025 Ready for Review-a 4506 should not be required on a bank statement loan - Seller-09/25/2025 |
Resolved-Received Borrower 1 Executed 4506-T/4506-C. - Due
Diligence Vendor-10/02/2025 |
Qualifying DTI below maximum allowed - DTI is 32.45% and max
allowed is 50% Qualifying FICO score is at least 20 points above minimum for program - Score is 792 and minimum allowed is 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5615486 | |
| XXXX | XXXX | 4000084725 | D | B | D | B | A | A | A | A | Closed | FCRE5782 | 2025-09-22 08:56 | 2025-09-26 16:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Credit report was dated within 10 days. - Due Diligence
Vendor-09/26/2025 Ready for Review-Document Uploaded. full credit report is within 10 days of closing - Seller-09/25/2025 Open-Borrower 1 Gap Credit Report is Missing. Gap report is required. - Due Diligence Vendor-09/22/2025 |
Ready for Review-Document Uploaded. full credit report is within
10 days of closing -
Seller-09/25/2025 |
Resolved-Credit report was dated within 10 days. - Due Diligence
Vendor-09/26/2025 |
Qualifying DTI below maximum allowed - DTI is 32.45% and max
allowed is 50% Qualifying FICO score is at least 20 points above minimum for program - Score is 792 and minimum allowed is 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5615549 | |
| XXXX | XXXX | 4000100847 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 4000095435 | C | A | C | A | C | A | A | A | Closed | FCRE1459 | 2025-09-29 09:07 | 2025-10-09 16:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Less Than 2 Months Verified | Resolved-Gift removed from consideration. - Due Diligence Vendor-10/09/2025 Ready for Review-Hello Team, can you please disregard this XXXX Gift? The borrower did not use this Gift amount because He has enough assets to cover the closing costs - Seller-10/08/2025 Counter-Settlement statement provided, however it does not reflect the XXXX Gift. - Due Diligence Vendor-10/03/2025 Ready for Review-Document Uploaded. Please See Final settlement and Post Cd borrower is not short on assets - Seller-10/01/2025 Open-Asset 5 Less Than 2 Months Verified Missing proof of Gift funds (XXXX) wired to closing. Final CD XXXX does not reflect receipt of Donor funds. - Due Diligence Vendor-09/29/2025 |
Ready for Review-Hello Team, can you please disregard this XXXX
Gift? The borrower did not use this Gift amount because He has enough assets
to cover the closing costs - Seller-10/08/2025 Ready for Review-Document Uploaded. Please See Final settlement and Post Cd borrower is not short on assets - Seller-10/01/2025 |
Resolved-Gift removed from consideration. - Due Diligence Vendor-10/09/2025 |
LTV is less than guideline maximum - Borr LTV 12.58%. Per
guides, maximum LTV 80%. Qualifying DTI below maximum allowed - Borr DTI 30%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5699857 | |
| XXXX | XXXX | 4000095435 | C | A | C | A | C | A | A | A | Closed | FCRE1458 | 2025-09-29 09:07 | 2025-10-09 16:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Gift removed from consideration. - Due Diligence Vendor-10/09/2025 Ready for Review-Hello Team, can you please disregard this XXXX Gift? The borrower did not use this Gift amount because He has enough assets to cover the closing costs - Seller-10/08/2025 Counter-Settlement Statement provided, however it does not reflect the XXXX Gift. - Due Diligence Vendor-10/03/2025 Ready for Review-Document Uploaded. Please See Final settlement and Post Cd borrower is not short on assets - Seller-10/01/2025 Open-Asset 4 Less Than 2 Months Verified Missing proof of Gift funds XXXX) wired to closing. Final CD XXXX does not reflect receipt of Donor funds. - Due Diligence Vendor-09/29/2025 |
Ready for Review-Hello Team, can you please disregard this XXXX
Gift? The borrower did not use this Gift amount because He has enough assets
to cover the closing costs - Seller-10/08/2025 Ready for Review-Document Uploaded. Please See Final settlement and Post Cd borrower is not short on assets - Seller-10/01/2025 |
Resolved-Gift removed from consideration. - Due Diligence Vendor-10/09/2025 |
LTV is less than guideline maximum - Borr LTV 12.58%. Per
guides, maximum LTV 80%. Qualifying DTI below maximum allowed - Borr DTI 30%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5699856 | |
| XXXX | XXXX | 4000095435 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2025-09-26 14:55 | 2025-10-03 09:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence
Vendor-10/03/2025 Ready for Review-Document Uploaded. Please See Post CD and Final settlement for Disbursement date - Seller-10/01/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/26/2025 |
Ready for Review-Document Uploaded. Please See Post CD and Final
settlement for Disbursement date - Seller-10/01/2025 |
Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence
Vendor-10/03/2025 |
LTV is less than guideline maximum - Borr LTV 12.58%. Per
guides, maximum LTV 80%. Qualifying DTI below maximum allowed - Borr DTI 30%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5690222 | |
| XXXX | XXXX | 4000095435 | C | A | C | A | C | A | A | A | Closed | FCRE1457 | 2025-09-29 09:07 | 2025-10-02 16:42 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received Wire Receipt. - Due Diligence
Vendor-10/02/2025 Ready for Review-Document Uploaded. Please see the wire receipt of XXXX - Seller-09/30/2025 Open-Asset 3 Less Than 2 Months Verified Missing proof of Gift funds (XXXX) wired to closing. Final CD XXXX does not reflect receipt of Donor funds. - Due Diligence Vendor-09/29/2025 |
Ready for Review-Document Uploaded. Please see the wire receipt
of XXXX - Seller-09/30/2025 |
Resolved-Received Wire Receipt. - Due Diligence
Vendor-10/02/2025 |
LTV is less than guideline maximum - Borr LTV 12.58%. Per
guides, maximum LTV 80%. Qualifying DTI below maximum allowed - Borr DTI 30%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5699855 | |
| XXXX | XXXX | 4000095438 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-10-13 14:03 | 2025-10-20 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC validation. - Due Diligence Vendor-10/20/2025 Ready for Review-Document Uploaded. license search - Seller-10/17/2025 Open-Borrower 1 CPA Letter Missing CTEC Letter provided, however missing the CTEC Validation to ensure no documents were prepared by a PTIN and missing the business phone number validation via XXXX Search, XXXX or internet. - Due Diligence Vendor-10/13/2025 |
Ready for Review-Document Uploaded. license search - Seller-10/17/2025 |
Resolved-Received CTEC validation. - Due Diligence Vendor-10/20/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO 781 is higher than 660 minimum required Qualifying DTI below maximum allowed - Qualifying Total Debt 28.72% is lower than 49.99% max allowed |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5875546 | |
| XXXX | XXXX | 4000095426 | D | B | D | A | B | B | A | A | Closed | FCRE1152 | 2025-09-29 08:26 | 2025-10-01 17:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax verification. - Due Diligence
Vendor-10/01/2025 Ready for Review-Document Uploaded. please see attached - Seller-09/29/2025 Open-Missing Evidence of Property Tax Tax cert missing. Used prior sales price to document taxes. - Due Diligence Vendor-09/29/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-09/29/2025 |
Resolved-Received tax verification. - Due Diligence
Vendor-10/01/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - • Qualifying FICO 786; Guideline minimum FICO 660. Qualifying DTI below maximum allowed - • Qualifying Post review DTI 34.20%, which is less than the guideline max 49.99% NMSI |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5699255 | |
| XXXX | XXXX | 4000095426 | D | B | D | A | B | B | A | A | Closed | FCRE6589 | 2025-09-29 14:54 | 2025-10-01 17:50 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-Received LOE from the borrower. - Due Diligence
Vendor-10/01/2025 Ready for Review-Document Uploaded. please see LOE attached - Seller-09/29/2025 Open-Subject was listed for RENT on XXXX and this was submitted as a Primary - Due Diligence Vendor-09/29/2025 |
Ready for Review-Document Uploaded. please see LOE attached -
Seller-09/29/2025 |
Resolved-Received LOE from the borrower. - Due Diligence
Vendor-10/01/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - • Qualifying FICO 786; Guideline minimum FICO 660. Qualifying DTI below maximum allowed - • Qualifying Post review DTI 34.20%, which is less than the guideline max 49.99% NMSI |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5707663 | |
| XXXX | XXXX | 4000095426 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-09-26 17:25 | 2025-09-26 17:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/26/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-09/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - • Qualifying FICO 786; Guideline minimum FICO 660. Qualifying DTI below maximum allowed - • Qualifying Post review DTI 34.20%, which is less than the guideline max 49.99% NMSI |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5692318 | |||
| XXXX | XXXX | 4000097874 | C | B | C | A | B | B | A | A | Closed | FCRE1437 | 2025-09-26 13:11 | 2025-10-08 13:07 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The lender used a more conservative figure for taxes
then what is listed on the property report.
The lender utilized the most recent sales price XXXX - Due Diligence Vendor-10/08/2025 Counter-1003 provided, please provide the LOE for the removal of the $416.17. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. The post 1003 was already in the file. I'm not sure where you got the $416.17. Please waive this condition. - Seller-10/02/2025 Counter-Please provide documentation for the $416.17 or new 1003 and LOE for the removal. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. It is a sfr and no HOA exists. Plus, i'm not sure about the $416.17 monthly disclosed on 1003. Please waive this condition. - Seller-09/30/2025 Open-Income and Employment Do Not Meet Guidelines Property 3c documents provided did not include proof of $416.17 monthly disclosed on 1003 which appears to be HOA dues. Missing documentation to support the $416.17. - Due Diligence Vendor-09/26/2025 |
Ready for Review-Document Uploaded. The post 1003 was already in
the file. I'm not sure where you got the $416.17. Please waive this
condition. - Seller-10/02/2025 Ready for Review-Document Uploaded. It is a sfr and no HOA exists. Plus, i'm not sure about the $416.17 monthly disclosed on 1003. Please waive this condition. - Seller-09/30/2025 |
Resolved-The lender used a more conservative figure for taxes
then what is listed on the property report.
The lender utilized the most recent sales price XXXX - Due Diligence Vendor-10/08/2025 |
Months Reserves exceed minimum required - Total qualifying 8.76
months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 800; Guideline minimum FICO 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5688321 | |
| XXXX | XXXX | 4000097874 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-09-25 11:26 | 2025-09-25 11:26 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |
Months Reserves exceed minimum required - Total qualifying 8.76
months reserves; 4 months reserves required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 800; Guideline minimum FICO 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5671943 | |||
| XXXX | XXXX | 4000097566 | C | A | C | A | A | A | A | A | Closed | FCRE0044 | 2025-10-03 12:30 | 2025-10-08 14:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all
required credit documentation. - Due Diligence Vendor-10/08/2025 Ready for Review-The XXXX is the broker for this loan. This inquiry is for the subject mortgage. It doesn't need any LOX. - Seller-10/07/2025 Open-LOX for credit inquiries is missing. No inquiry explanation in file for XXXX. - Due Diligence Vendor-10/03/2025 |
Ready for Review-The XXXX is the broker for this loan. This
inquiry is for the subject mortgage. It doesn't need any LOX. - Seller-10/07/2025 |
Resolved-Upon further review, the loan file contained all
required credit documentation. - Due Diligence Vendor-10/08/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min FICO 700 - FICO is 785 Months Reserves exceed minimum required - 2 mos required - have 13.6 mos reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5768581 | ||
| XXXX | XXXX | 4000098757 | D | A | D | A | A | A | A | A | Closed | FCRE8611 | 2025-10-13 12:07 | 2025-10-15 16:37 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received verification of the business phone number via
XXXX Search, XXXX or internet. - Due
Diligence Vendor-10/15/2025 Ready for Review-Document Uploaded. Hello please XXXX search - Seller-10/14/2025 Open-Missing verification of the business phone number via XXXX Search, XXXX or internet. - Due Diligence Vendor-10/13/2025 |
Ready for Review-Document Uploaded. Hello please XXXX search -
Seller-10/14/2025 |
Resolved-Received verification of the business phone number via
XXXX. - Due Diligence
Vendor-10/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO 725 is higher than 680 minimum required Months Reserves exceed minimum required - Qualifying Total Reserves 138.22 months are higher than 6 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5873159 | |
| XXXX | XXXX | 4000098757 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-10-10 23:35 | 2025-10-15 16:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-10/15/2025
Ready for Review-Document Uploaded. Hello Please Soft Pull - Seller-10/14/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/11/2025 |
Ready for Review-Document Uploaded. Hello Please Soft Pull -
Seller-10/14/2025 |
Resolved-Received Gap report. - Due Diligence
Vendor-10/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO 725 is higher than 680 minimum required Months Reserves exceed minimum required - Qualifying Total Reserves 138.22 months are higher than 6 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5863979 | |
| XXXX | XXXX | 4000097466 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000097465 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-10-13 10:13 | 2025-10-13 10:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 | Waived-Required Affiliated Business Disclosure Missing
----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-10/13/2025 |
Qualifying DTI below maximum allowed - Borr DTI 32.7%. Per
guides, maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 741. Per guide, a minimum score required 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5871053 | |||
| XXXX | XXXX | 4000098756 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000097468 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000097273 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-10-17 09:36 | 2025-10-31 16:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence
Vendor-10/31/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-10/30/2025 Counter-Received year built email-please provide complete HOA questionnaire. - Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. Please see attached and waive condition - Seller-10/23/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Condo questionnaire required; however it is missing from the loan file. Unable to determine if the condo project is warrantable. - Due Diligence Vendor-10/17/2025 |
Ready for Review-Document Uploaded. PLease see attached -
Seller-10/30/2025 Ready for Review-Document Uploaded. Please see attached and waive condition - Seller-10/23/2025 |
Resolved-Received HOA questionnaire. - Due Diligence
Vendor-10/31/2025 |
Qualifying DTI below maximum allowed - DTI = 37.47% - Max DTI =
49.99% Qualifying FICO score is at least 20 points above minimum for program - FICO = 796 Min FICO = 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5929332 | |
| XXXX | XXXX | 4000097896 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-10-15 09:36 | 2025-10-17 14:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due
Diligence Vendor-10/17/2025 Ready for Review-Document Uploaded. Please see PCCD showing the borrower getting the refund of XXXX - Seller-10/15/2025 Open-Audited Reserves of 8.95 month(s) are less than Guideline Required Reserves of 9 month(s) Borrower is short reserves - Due Diligence Vendor-10/15/2025 |
Ready for Review-Document Uploaded. Please see PCCD showing the
borrower getting the refund of XXXX - Seller-10/15/2025 |
Resolved-Received PCCD confirming sufficient reserves. - Due
Diligence Vendor-10/17/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 726. Per guide, a minimum score required
660. LTV is less than guideline maximum - Borr LTV 75%. Per guides, maximum LTV 80%. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5899682 | |
| XXXX | XXXX | 4000097264 | C | B | C | A | B | B | A | A | Closed | FCRE1155 | 2025-10-17 12:09 | 2026-01-05 16:22 | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Update HOI provided. - Due Diligence Vendor-01/05/2026
Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 Open-Subject Property on Note does not match Insured Property Address Hazard is missing #'s before XXXX. - Due Diligence Vendor-10/17/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-10/31/2025 |
Resolved-Update HOI provided. - Due Diligence
Vendor-01/05/2026 |
Qualifying DTI below maximum allowed - DTI = 31.71% - Max DTI =
49.99% Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 767, guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5932662 | |
| XXXX | XXXX | 4000097264 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-10-16 10:39 | 2025-10-16 10:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/16/2025 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/16/2025 |
Qualifying DTI below maximum allowed - DTI = 31.71% - Max DTI =
49.99% Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 767, guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5915966 | |||
| XXXX | XXXX | 4000098755 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-10-13 11:46 | 2025-10-13 12:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 |
Qualifying DTI below maximum allowed - Qualifying DTI is 40%,
guidelines require 49.99 Months Reserves exceed minimum required - Qualifying reserves are 6 months, guidelines require 0 reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5872743 | |||
| XXXX | XXXX | 4000097456 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-10-13 11:46 | 2025-10-13 11:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/13/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-10/13/2025 |
Credit history exceeds minimum required - 660 Credit history
exceeds minimum required 784 LTV is less than guideline maximum - 61.11 LTV is less than guideline maximum 80% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5872749 | |||
| XXXX | XXXX | 4000097459 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000097877 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000092575 | D | A | D | A | A | A | C | A | Closed | FPRO0025 | 2025-10-17 13:52 | 2025-11-11 08:25 | Resolved | 1 - Information | C | A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Appraiser commented on the smoke detectors, which
satisfies the requirement. - Due Diligence Vendor-11/11/2025 Counter-Received addendum dated XXXX "CO AND SMOKE DETECTORS WERE PRESENT AND WORKING AT TIME OF THE INSPECTION." No pictures were included. In XXXX, smoke detectors must be installed on every level of a dwelling, within each story that has a sleeping area, and outside of each sleeping area. - Due Diligence Vendor-11/03/2025 Ready for Review-Document Uploaded. - Seller-10/31/2025 Open-Smoke Detector/Carbon Monoxide detector has issues- Missing smoke and carbon monoxide. missing pics and appraiser comments. - Due Diligence Vendor-10/17/2025 |
Ready for Review-Document Uploaded. - Seller-10/31/2025 |
Resolved-Appraiser commented on the smoke detectors, which
satisfies the requirement. - Due Diligence Vendor-11/11/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 809; minimum score 660. Months Reserves exceed minimum required - 120.16 months PITIA reserves; 6 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5934267 | |
| XXXX | XXXX | 4000092575 | D | A | D | A | A | A | C | A | Closed | FCRE3978 | 2025-10-17 13:49 | 2025-11-03 15:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Rent Free
Letter. - Due Diligence
Vendor-11/03/2025 Ready for Review-Document Uploaded. - Seller-10/31/2025 Counter-Receiving address LOE-missing Rent Free Letter reflecting correct address of XXXX - Due Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. - Seller-10/21/2025 Open-LOX provided living rent free- need correcting appears to be typo. XXXX and not XXXX. Please provide updated corrected living rent free letter. - Due Diligence Vendor-10/17/2025 |
Ready for Review-Document Uploaded. - Seller-10/31/2025 Ready for Review-Document Uploaded. - Seller-10/21/2025 |
Resolved-Received Rent Free
Letter. - Due Diligence
Vendor-11/03/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 809; minimum score 660. Months Reserves exceed minimum required - 120.16 months PITIA reserves; 6 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5934213 | |
| XXXX | XXXX | 4000099244 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2025-10-20 11:13 | 2025-10-23 15:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial
1003. - Due Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. - Seller-10/22/2025 Open-The Initial 1003 is Missing ------ Please provide Initial 1003 - Due Diligence Vendor-10/20/2025 |
Ready for Review-Document Uploaded. - Seller-10/22/2025 |
Resolved-Received Initial
1003. - Due Diligence Vendor-10/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - 761 vs. min FICO 620 LTV is less than guideline maximum - 61% LTV vs. max LTV 80% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5946411 | |
| XXXX | XXXX | 4000099244 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2025-10-20 11:42 | 2025-10-23 15:41 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXXwith updated disbursement date. - Due
Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. - Seller-10/22/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/20/2025 |
Ready for Review-Document Uploaded. - Seller-10/22/2025 |
Resolved-Received PCCD XXXX with updated disbursement date. -
Due Diligence Vendor-10/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - 761 vs. min FICO 620 LTV is less than guideline maximum - 61% LTV vs. max LTV 80% |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5947237 | |
| XXXX | XXXX | 4000099245 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000101350 | C | A | C | A | A | A | A | A | Closed | FCRE7011 | 2025-10-27 11:14 | 2025-10-29 10:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved--Rent loss not required for income qualifying loan.
Only DSCR - Due Diligence Vendor-10/29/2025 Ready for Review-We only required the rent loss coverage for DSCR program. - Due Diligence Vendor-10/29/2025 Open-Rent Loss Coverage is Insufficient or Missing. Per guidelines - Rent Loss Insurance for the subject property is required and must equal at least 6 months of local average monthly rents or actual loss - Due Diligence Vendor-10/27/2025 |
Resolved--Rent loss not required for income qualifying loan.
Only DSCR - Due Diligence Vendor-10/29/2025 |
LTV is less than guideline maximum - 75% LTV; max 85% LTV
required Qualifying DTI below maximum allowed - 42.11% DTI; max 50% DTI required Qualifying FICO score is at least 20 points above minimum for program - FICO 784; minimum FICO 640 required |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6021926 | |||
| XXXX | XXXX | 4000099241 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000099242 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-10-21 13:17 | 2025-10-28 13:14 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-10/28/2025 Ready for Review-Document Uploaded. - Seller-10/25/2025 Counter-Received 1008 reflecting income and ratios-please provide correct 1008 for DSCR loan. - Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. - Seller-10/23/2025 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. - Seller-10/25/2025 Ready for Review-Document Uploaded. - Seller-10/23/2025 |
Resolved-Received 1008 - Due Diligence Vendor-10/28/2025 |
LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% DSCR % greater than 1.20 - DSCR is 1.27. 1.00 was required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5960885 | |
| XXXX | XXXX | 4000099242 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2025-10-21 12:53 | 2025-10-24 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master HOI - Due Diligence Vendor-10/24/2025
Ready for Review-Document Uploaded. - Seller-10/22/2025 Open-Missing Condo Master Insurance Policy. Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. - Seller-10/22/2025 |
Resolved-Received master HOI - Due Diligence
Vendor-10/24/2025 |
LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% DSCR % greater than 1.20 - DSCR is 1.27. 1.00 was required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5960470 | |
| XXXX | XXXX | 4000099242 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-10-21 12:41 | 2025-10-24 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received XXXX approval-CPM - Due Diligence
Vendor-10/24/2025 Ready for Review-Document Uploaded. - Seller-10/23/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. - Seller-10/23/2025 |
Resolved-Received XXXX approval-CPM - Due Diligence
Vendor-10/24/2025 |
LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% DSCR % greater than 1.20 - DSCR is 1.27. 1.00 was required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5960303 | |
| XXXX | XXXX | 4000099242 | D | A | D | A | A | A | A | A | Closed | FCRE1143 | 2025-10-21 12:41 | 2025-10-24 14:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received XXXX CPM approval. - Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. - Seller-10/23/2025 Open-Builder is in control of HOA . Additionally, findings may apply upon receipt. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. - Seller-10/23/2025 |
Resolved-Received XXXX CPM approval. - Due Diligence Vendor-10/24/2025 |
LTV is less than guideline maximum - LTV 70% LTV. Allowed 80% DSCR % greater than 1.20 - DSCR is 1.27. 1.00 was required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5960302 | |
| XXXX | XXXX | 4000099243 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000098552 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000098547 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2025-10-21 16:59 | 2025-10-24 17:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/22/2025 Open-Housing History Does Not Meet Guideline Requirements Per guides, a maximum of 1x30x12 months housing history is allowed. Missing a Verification of Rent to verify most recent 12 month housing history. Althoug the borrower purchased the subject property approximately 1 month earlier, and has yet to make their first payment, prior to purchasing the subject property, the borrower rented at their previous residence for 6 years. Additoinal conditions may apply. - Due Diligence Vendor-10/21/2025 |
Ready for Review-Document Uploaded. Hello, please see attached,
thank you - Seller-10/22/2025 |
Resolved-Received VOR. - Due Diligence Vendor-10/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Minimum FICO is 660; qualifying FICO is 802. LTV is less than guideline maximum - Maximum LTV is 80%; qualifying LTV is 56.89%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5964821 | |
| XXXX | XXXX | 4000098545 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2025-10-20 17:04 | 2025-10-23 16:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received previous VOR. - Due Diligence
Vendor-10/23/2025 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/22/2025 Open-Housing History Does Not Meet Guideline Requirements Missing a complete 12 month mortgage/rental history. Current mtg shows only a 6 month mtg history. Missing prior rental history to complete a 12 mos mortgage/rental history - Due Diligence Vendor-10/20/2025 |
Ready for Review-Document Uploaded. Hello, please see attached,
thank you - Seller-10/22/2025 |
Resolved-Received previous VOR. - Due Diligence
Vendor-10/23/2025 |
LTV is less than guideline maximum - Max LTV 90% - we are at
64.25% Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 - we are at 750 - 30 pts above |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5951420 | |
| XXXX | XXXX | 4000100029 | C | B | C | A | C | B | A | A | Closed | FCRE0970 | 2025-11-13 14:28 | 2025-11-26 14:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal correcting number of units
in project. - Due Diligence
Vendor-11/26/2025 Ready for Review-Document Uploaded. Please note that the discrepancy in the total unit count between Appraisal Review 1 and 2 occurred because the property is extremely large, and the exact total number of units was not immediately available at the time. The unit count has now been verified and updated consistently across all documents. Please review the updated report and kindly clear the condition. - Seller-11/24/2025 Open-Appraisal has issues (credit). Appraisal provided reflect a discrepancy in the total number of units. Appraisal review #1 reflects total of XX units and Appraisal review #2 reflects XXX total number of units. Provide reason for discrepancy and a corrected revised appraisal. - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Please note that the
discrepancy in the total unit count between Appraisal Review 1 and 2 occurred
because the property is extremely large, and the exact total number of units
was not immediately available at the time. The unit count has now been
verified and updated consistently across all documents. Please review the
updated report and kindly clear the condition. - Seller-11/24/2025 |
Resolved-Received revised appraisal correcting number of units
in project. - Due Diligence
Vendor-11/26/2025 |
Qualifying DTI below maximum allowed - Required DTI is 49.99%
and Borrower has 23.53% Required is
49.99 Borrower has 23.53 LTV is less than guideline maximum - Required LTV is 70 Borrower has 46.3% Required is 70 Borrower has 46.3 Qualifying FICO score is at least 20 points above minimum for program - Required score is 680 and Borrower has 727 Required is 680 Borrower has 727 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6243444 | |
| XXXX | XXXX | 4000100029 | C | B | C | A | C | B | A | A | Closed | finding-3540 | 2025-11-13 08:58 | 2025-11-18 10:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-11/18/2025 Ready for Review-Could you please clarify which specific date was incorrect? From my review, I did not find any issues. Kindly advise. - Seller-11/17/2025 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/13/2025 |
Ready for Review-Could you please clarify which specific date
was incorrect? From my review, I did not find any issues. Kindly advise. -
Seller-11/17/2025 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-11/18/2025 |
Qualifying DTI below maximum allowed - Required DTI is 49.99%
and Borrower has 23.53% Required is
49.99 Borrower has 23.53 LTV is less than guideline maximum - Required LTV is 70 Borrower has 46.3% Required is 70 Borrower has 46.3 Qualifying FICO score is at least 20 points above minimum for program - Required score is 680 and Borrower has 727 Required is 680 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6236029 | ||
| XXXX | XXXX | 4000100029 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2025-11-13 08:45 | 2025-11-13 09:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/13/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/13/2025 |
Qualifying DTI below maximum allowed - Required DTI is 49.99%
and Borrower has 23.53% Required is
49.99 Borrower has 23.53 LTV is less than guideline maximum - Required LTV is 70 Borrower has 46.3% Required is 70 Borrower has 46.3 Qualifying FICO score is at least 20 points above minimum for program - Required score is 680 and Borrower has 727 Required is 680 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6235832 | |||
| XXXX | XXXX | 4000100029 | C | B | C | A | C | B | A | A | Closed | FCOM1124 | 2025-11-13 07:59 | 2025-11-13 09:00 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/13/2025 | Waived-Borrower 1 Final Signature Date is greater than the
transaction date of XXXX -----Originator waiver applied to non-material
Findings. - Due Diligence
Vendor-11/13/2025 |
Qualifying DTI below maximum allowed - Required DTI is 49.99%
and Borrower has 23.53% Required is
49.99 Borrower has 23.53 LTV is less than guideline maximum - Required LTV is 70 Borrower has 46.3% Required is 70 Borrower has 46.3 Qualifying FICO score is at least 20 points above minimum for program - Required score is 680 and Borrower has 727 Required is 680 Borrower has 727 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6235353 | |||
| XXXX | XXXX | 4000099491 | C | A | A | A | A | A | C | A | Closed | FPRO0025 | 2025-10-27 20:22 | 2025-11-17 16:40 | Resolved | 1 - Information | C | A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Received updated Appraisal. Appraiser addressed the Smoke
Detectors. - Due Diligence
Vendor-11/17/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 Open-Missing evidence of smoke detectors. Appraiser indicated: Carbon Monoxide detectors were present and appeared to be functioning properly. Subject investment property located in XXXX. Public record search: Effective date: XXXX, Single- and multi-family dwellings that are rented out by a third party must ensure all units are equipped with smoke alarms, CO alarms, and fire extinguishers. - Due Diligence Vendor-10/28/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-11/13/2025 |
Resolved-Received updated Appraisal. Appraiser addressed the Smoke
Detectors. - Due Diligence
Vendor-11/17/2025 |
Months Reserves exceed minimum required - 28.69mos reserves. Per
guides, no reserves required. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 744. Per guide, a minimum score required 660. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6030660 | |
| XXXX | XXXX | 4000098542 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000101359 | C | B | A | A | C | B | A | A | Closed | FCOM1353 | 2025-11-13 08:35 | 2025-11-20 13:38 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-11/20/2025 Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). - Due Diligence Vendor-11/13/2025 |
Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). -----Originator waiver applied to non-material Findings.
- Due Diligence Vendor-11/20/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.8 LTV is less than guideline maximum - Required is 75 Borrower has 68.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6235727 | |||
| XXXX | XXXX | 4000099258 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100199 | C | B | C | A | B | B | A | A | Closed | FCRE1510 | 2025-10-24 14:35 | 2025-10-29 16:06 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. exhibit A attached - Seller-10/28/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description missing from Deed of Trust. - Due Diligence Vendor-10/27/2025 |
Ready for Review-Document Uploaded. exhibit A attached -
Seller-10/28/2025 |
Resolved-Received complete security instrument inclusive of
legal description. - Due Diligence Vendor-10/29/2025 |
LTV is less than guideline maximum - Audit LTV 46.51%, Max LTV
80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793, Min FICO 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6010280 | |
| XXXX | XXXX | 4000100199 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-10-23 21:39 | 2025-10-23 22:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-10/24/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings - Due Diligence
Vendor-10/24/2025 |
LTV is less than guideline maximum - Audit LTV 46.51%, Max LTV
80% Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793, Min FICO 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5998983 | |||
| XXXX | XXXX | 4000100208 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-11-04 11:26 | 2026-02-02 13:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence
Vendor-11/16/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire, subject property attached condo unit. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-11/13/2025 |
Resolved-Received HOA questionnaire. - Due Diligence
Vendor-11/16/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 779. Per guide, a minimum score required
680. LTV is less than guideline maximum - Borr LTV 50.43%. Per guides, maximum LTV 75%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6115655 | |
| XXXX | XXXX | 4000100208 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2025-11-04 11:38 | 2025-12-02 17:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received renewal master hoi and sufficient fidelity
coverage. - Due Diligence
Vendor-12/02/2025 Ready for Review-Document Uploaded. Master insurance attached - Seller-11/26/2025 Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Missing evidence of Condo Master Policy renewal. Current policy expiration date XXXX is prior to Note date XXXX. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. Master insurance attached -
Seller-11/26/2025 |
Resolved-Received renewal master hoi and sufficient fidelity
coverage. - Due Diligence
Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 779. Per guide, a minimum score required
680. LTV is less than guideline maximum - Borr LTV 50.43%. Per guides, maximum LTV 75%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6117388 | |
| XXXX | XXXX | 4000100201 | D | A | C | A | C | A | D | A | Closed | finding-3617 | 2025-10-31 20:09 | 2025-11-26 11:07 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. PLease see correct PCCD - Seller-11/25/2025 Counter-----Received PCCD dated XXXX, need a PCCD dated after Final CD was signed on XXXX. Finding Remains. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-11/21/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-11/01/2025 |
Ready for Review-Document Uploaded. PLease see correct PCCD -
Seller-11/25/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-11/21/2025 |
Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 809. Per guide, a minimum score required
660. Qualifying DTI below maximum allowed - DTI 43.57%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6090189 | |
| XXXX | XXXX | 4000100201 | D | A | C | A | C | A | D | A | Closed | FCRE1510 | 2025-10-31 19:44 | 2025-11-14 17:43 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage Document (Deed of Trust) with Legal.
- Due Diligence Vendor-11/14/2025 Ready for Review-Document Uploaded. DOT attached - Seller-11/13/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. DOT attached -
Seller-11/13/2025 |
Resolved-Received Mortgage Document (Deed of Trust) with Legal.
- Due Diligence Vendor-11/14/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 809. Per guide, a minimum score required
660. Qualifying DTI below maximum allowed - DTI 43.57%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6090089 | |
| XXXX | XXXX | 4000100201 | D | A | C | A | C | A | D | A | Closed | FPRO1242 | 2025-11-03 18:27 | 2025-11-14 17:41 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-11/14/2025
Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 Open-Appraisal is Missing Review valuation reflects an Appraisal completed XXXX, with value of XXXX. Per guidelines a traditional full appraisal with an interior inspection is required, please provide. Additional items may be required. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-11/13/2025 |
Resolved-Received Appraisal - Due Diligence Vendor-11/14/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 809. Per guide, a minimum score required
660. Qualifying DTI below maximum allowed - DTI 43.57%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6107275 | |
| XXXX | XXXX | 4000100201 | D | A | C | A | C | A | D | A | Closed | finding-3515 | 2025-10-31 20:09 | 2025-11-14 14:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/14/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-11/01/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-11/13/2025 |
Resolved-Received Initial LE dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/14/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying FICO score 809. Per guide, a minimum score required
660. Qualifying DTI below maximum allowed - DTI 43.57%. Per guides, maximum DTI 49.99%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6090187 | |
| XXXX | XXXX | 4000100207 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100039 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2025-11-05 15:19 | 2025-12-10 17:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 Counter-Review reconfirmed-For XXXX -Rental history must be evidenced by canceled checks OR a Verification of Rent (VOR, which may be a private VOR) on a XXXX acceptable form. - Due Diligence Vendor-11/20/2025 Ready for Review-Hello since this is a XXXX we do not need to use a XXXX VOR form please waive - Seller-11/18/2025 Counter-Guidelines require XXXX form. - Due Diligence Vendor-11/17/2025 Ready for Review-Please advise why it is not acceptable. It includes all the info. - Seller-11/13/2025 Open-Housing History Does Not Meet Guideline Requirements Private landlord VOR in the form of a letter. Per guides pg27: Rental history must be evidenced by canceled checks OR a Verification of Rent (VOR, which may be a private VOR) on a Fannie Mae acceptable form. - Due Diligence Vendor-11/05/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-12/09/2025 Ready for Review-Hello since this is a XXXX we do not need to use a XXXX VOR form please waive - Seller-11/18/2025 Ready for Review-Please advise why it is not acceptable. It includes all the info. - Seller-11/13/2025 |
Resolved-Received VOR. - Due Diligence Vendor-12/10/2025 |
Qualifying DTI below maximum allowed - Borr DTI 32.0%. Per
guides, maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 766. Per guide, a minimum score required 660. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6143626 | |
| XXXX | XXXX | 4000100039 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-04 15:18 | 2025-11-04 15:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-11/04/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material findings. - Due Diligence
Vendor-11/04/2025 |
Qualifying DTI below maximum allowed - Borr DTI 32.0%. Per
guides, maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 766. Per guide, a minimum score required 660. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6122882 | |||
| XXXX | XXXX | 4000100200 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100206 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2025-11-04 08:43 | 2025-11-10 09:34 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received settlement statement showing disbursement
after ROR expiration date. Finding Resolved. - Due Diligence
Vendor-11/10/2025 Ready for Review-Document Uploaded. please see attached. - Seller-11/07/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. please see attached. -
Seller-11/07/2025 |
Resolved------Received settlement statement showing disbursement
after ROR expiration date. Finding Resolved. - Due Diligence
Vendor-11/10/2025 |
LTV is less than guideline maximum - LTV = 69.00% - Max LTV =
80% Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum credit score is 660; borrower qualified with a 764 credit score. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6112199 | |
| XXXX | XXXX | 4000100206 | C | B | A | A | C | B | A | A | Closed | FCOM1353 | 2025-11-04 08:21 | 2025-11-07 08:51 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/04/2025 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-11/04/2025 |
LTV is less than guideline maximum - LTV = 69.00% - Max LTV =
80% Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum credit score is 660; borrower qualified with a 764 credit score. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | N/A | 6111844 | |||
| XXXX | XXXX | 4000100038 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-11-06 10:46 | 2025-12-08 16:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD, disbursement date XXXX - Due Diligence
Vendor-12/08/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/04/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date of XXXX - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/04/2025 |
Resolved-Received PCCD, disbursement date XXXX - Due Diligence
Vendor-12/08/2025 |
Months Reserves exceed minimum required - Qualifying Total
Reserves 17 months are higher than 6 months required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 762 is higher than 660 minimum required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6153970 | |
| XXXX | XXXX | 4000100038 | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-11-06 16:32 | 2025-11-14 17:56 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Business Internet Search. - Due Diligence
Vendor-11/14/2025 Ready for Review-Document Uploaded. XXXX search attached - Seller-11/13/2025 Open-Missing verification of business phone number via XXXX - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. XXXX search attached -
Seller-11/13/2025 |
Resolved-Received Business Internet Search. - Due Diligence
Vendor-11/14/2025 |
Months Reserves exceed minimum required - Qualifying Total
Reserves 17 months are higher than 6 months required Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 762 is higher than 660 minimum required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6162166 | |
| XXXX | XXXX | 4000100030 | D | B | D | A | B | B | A | A | Closed | FCRE1481 | 2025-11-06 20:01 | 2025-12-10 18:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated gift letter provided for XXXX gift - Due
Diligence Vendor-12/10/2025 Counter-1003 Provided, please provide proof of Gift funds (XXXX) wired to closing. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 Counter-Received PCCD=Missing proof of Gift funds (XXXX) wired to closing. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please see PCCD and please waive - Seller-12/03/2025 Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of Gift funds (XXXX) wired to closing. Final CD XXXX does not reflect receipt of Donor funds. - Due Diligence Vendor-11/07/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-12/09/2025 Ready for Review-Document Uploaded. Please see PCCD and please waive - Seller-12/03/2025 |
Resolved-Updated gift letter provided for XXXX gift - Due
Diligence Vendor-12/10/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.35 LTV is less than guideline maximum - Borr LTV 69.23%. Per guides, maximum LTV 80%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 777. Per guide, a minimum score required 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6164747 | |
| XXXX | XXXX | 4000100030 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2025-11-06 18:42 | 2025-11-16 16:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received fraud report acknowledgement. - Due Diligence Vendor-11/16/2025 Ready for Review-Document Uploaded. UW XXXX cert attached - Seller-11/13/2025 Open-Third Party Fraud Report Partially Provided Missing UW Review Cert, Fraud score >800 - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. UW XXXX cert attached -
Seller-11/13/2025 |
Resolved-Received fraud report acknowledgement. - Due Diligence Vendor-11/16/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.35 LTV is less than guideline maximum - Borr LTV 69.23%. Per guides, maximum LTV 80%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 777. Per guide, a minimum score required 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6164251 | |
| XXXX | XXXX | 4000100030 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-11-06 10:32 | 2025-11-06 11:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/06/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/06/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 37.35 LTV is less than guideline maximum - Borr LTV 69.23%. Per guides, maximum LTV 80%. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 777. Per guide, a minimum score required 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6153648 | |||
| XXXX | XXXX | 4000100209 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-10-30 15:23 | 2025-10-30 15:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying score 772; minimum score 660. Qualifying DTI below maximum allowed - Calculated DTI is 35.77%, max allowed is 49.99%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6073920 | |||
| XXXX | XXXX | 4000100192 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100196 | D | A | D | A | C | A | A | A | Closed | FCRE1202 | 2025-11-07 11:28 | 2025-11-14 17:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received UW Review Cert for fraud >800. - Due
Diligence Vendor-11/14/2025 Ready for Review-Document Uploaded. UW Review Cert attached - Seller-11/13/2025 Open-Third Party Fraud Report Partially Provided Missing UW Review Cert, Fraud score >800 - Due Diligence Vendor-11/07/2025 |
Ready for Review-Document Uploaded. UW Review Cert attached -
Seller-11/13/2025 |
Resolved-Received UW Review Cert for fraud >800. - Due
Diligence Vendor-11/14/2025 |
Qualifying DTI below maximum allowed - Borr DTI 41.59%. Per
guides, maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 660; borrower qualified with a 757 FICO score. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6172660 | |
| XXXX | XXXX | 4000100196 | D | A | D | A | C | A | A | A | Closed | finding-3617 | 2025-11-06 10:19 | 2025-11-14 14:05 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/14/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-11/13/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing/signed date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-11/13/2025 |
Resolved------Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-11/14/2025 |
Qualifying DTI below maximum allowed - Borr DTI 41.59%. Per
guides, maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 660; borrower qualified with a 757 FICO score. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6153424 | |
| XXXX | XXXX | 4000100193 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000101369 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100657 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-04 10:04 | 2025-11-04 10:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-11/04/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material findings. - Due Diligence
Vendor-11/04/2025 |
Months Reserves exceed minimum required - 35.63mos reserves. Per
guides, no reserves required. LTV is less than guideline maximum - Borr LTV 49.84%. Per guides, maximum LTV 70%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6113576 | |||
| XXXX | XXXX | 4000100651 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-11-12 17:41 | 2025-12-02 17:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation of gift, letter and receipt. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. Hello Team, We did not used the other XXXX gift. Per Final CD we only need XXXX to closed. - Seller-11/27/2025 Counter-Wire receipt for XXXX provided, please provide the wire receipt for XXXX - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please See Gift Receipt - Seller-11/22/2025 Counter-Gift letter provided. Please provide the wire receipt for XXXX gift and XXXX Gift. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please See Gift Letter - Seller-11/15/2025 Open-Audited Reserves of 1.38 month(s) are less than Guideline Required Reserves of 4 month(s) Missing additional assets to cover reserve requirement - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Hello Team, We did not used
the other XXXX gift. Per Final CD we only need XXXX to closed. -
Seller-11/27/2025 Ready for Review-Document Uploaded. Please See Gift Receipt - Seller-11/22/2025 Ready for Review-Document Uploaded. Please See Gift Letter - Seller-11/15/2025 |
Resolved-Received confirmation of gift, letter and receipt. - Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
725 Verified employment history exceeds guidelines - 3 years verified employment with the same employer history exceeds guidelines of two years of consistent employment |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6230958 | |
| XXXX | XXXX | 4000100189 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2025-11-10 22:44 | 2025-11-19 11:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter provided by the owner of the property
per the fraud report. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached LOE - Seller-11/18/2025 Open-Housing History Does Not Meet Guideline Requirements Missing Borrower current housing expenses. Provide- VOR covering the most recent 12 months of rental history if Borrower is Rent Free, provide a Rent-Free letter that the Borrower has not been required to pay rent for 12 months. The letter can be provided by the owner of the property or main lessee of the property (The lease agreement is required). - Due Diligence Vendor-11/11/2025 |
Ready for Review-Document Uploaded. Please see attached LOE -
Seller-11/18/2025 |
Resolved-Rent free letter provided by the owner of the property
per the fraud report. - Due Diligence Vendor-11/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying credit score is 807, guidelines require 660 LTV is less than guideline maximum - Qualifying LTV is 70%, guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6203351 | |
| XXXX | XXXX | 4000100189 | C | B | C | A | B | B | A | A | Closed | FCRE1483 | 2025-11-10 23:02 | 2025-11-18 17:13 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received wire receipts. - Due Diligence
Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/16/2025 Open-Asset 5 Does Not Meet Guideline Requirements Provide Evidence of deposit for the XXXX gift, only the executed letter dated XXXX was validated dated and is missing the evidence of receipt in the borrower account or Title company. - Due Diligence Vendor-11/11/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-11/16/2025 |
Resolved-Received wire receipts. - Due Diligence
Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying credit score is 807, guidelines require 660 LTV is less than guideline maximum - Qualifying LTV is 70%, guidelines require 660 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6203451 | |
| XXXX | XXXX | 4000100189 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-08 10:47 | 2025-11-08 10:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/08/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/08/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Qualifying credit score is 807, guidelines require 660 LTV is less than guideline maximum - Qualifying LTV is 70%, guidelines require 660 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6183533 | |||
| XXXX | XXXX | 4000100658 | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-11-04 17:06 | 2025-11-06 11:34 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines. Received
business phone number verification via XXXX - Due Diligence Vendor-11/06/2025
Ready for Review-Document Uploaded. XXXX search attached. - Seller-11/05/2025 Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number verification via XXXX Search, XXXX or internet is required. OR CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower - Due Diligence Vendor-11/04/2025 |
Ready for Review-Document Uploaded. XXXX search attached. - Seller-11/05/2025 |
Resolved-Income and Employment Meet Guidelines. Received
business phone number verification via XXXX - Due Diligence
Vendor-11/06/2025 |
Qualifying DTI below maximum allowed - DTI 28.98%. Per guides,
maximum DTI 49.99%. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 784. Per guide, a minimum score required 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6125134 | |
| XXXX | XXXX | 4000101370 | C | A | C | A | A | A | A | A | Closed | FCRE1232 | 2025-11-13 08:38 | 2025-11-26 14:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The matrix allows for a 0-1 DSCR on a cash out SFR to
70%. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. The minimum XXXX based on our XXXX guidelines - Seller-11/24/2025 Counter-Received Partial guideline upload. File submitted as XXXX. Guideline indicate min Cashout 1.15. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. The minimum DSCR for DSCR1 is 0. please waive - Seller-11/19/2025 Open-Per guidelines min DSCR for cash out is 1.15 - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. The minimum XXXX. based on
our XXXX guidelines -
Seller-11/24/2025 Ready for Review-Document Uploaded. The minimum XXXX. please waive - Seller-11/19/2025 |
Resolved-The matrix allows for a 0-1 DSCR on a cash out SFR to
70%. - Due Diligence Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 700 Borrower has 762 Required is 700 Borrower has
762 Months Reserves exceed minimum required - 60.42mos ($172,851.04) reserves. Per guides, 2mos ($5721.84) reserves required (an additional 2mos for all other REOs). Total reserves required $25,770.08. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6235762 | |
| XXXX | XXXX | 4000100655 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-04 15:39 | 2025-11-04 15:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/04/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/04/2025 |
LTV is less than guideline maximum - Borr LTV 66.88%. Per
guides, maximum LTV 80%. Months Reserves exceed minimum required - 8.12mos reserves. Per guides, no reserves required. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 792. Per guide, a minimum score required 660. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6123357 | |||
| XXXX | XXXX | 4000101421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000100884 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000101368 | D | B | D | A | B | B | A | A | Closed | FCRE1145 | 2025-11-06 15:36 | 2025-11-10 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document was provided. - Due Diligence
Vendor-11/10/2025 Ready for Review-Document Uploaded. Please find the attched title policy - Seller-11/07/2025 Open-Title Document is missing Missing Title Commitment document. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Please find the attched
title policy - Seller-11/07/2025 |
Resolved-Title Document was provided. - Due Diligence
Vendor-11/10/2025 |
Qualifying DTI below maximum allowed - DTI 38.74%. Per guides,
maximum DTI 49.99%. Months Reserves exceed minimum required - 5.12mos reserves. Per guides, no reserves required. LTV is less than guideline maximum - LTV 60.87%. Per guides, maximum LTV 80%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6161186 | |
| XXXX | XXXX | 4000101368 | D | B | D | A | B | B | A | A | Closed | FCRE0044 | 2025-11-06 17:49 | 2025-11-10 16:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence
Vendor-11/10/2025 Ready for Review-Document Uploaded. uploaded the LOE - Seller-11/07/2025 Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. uploaded the LOE - Seller-11/07/2025 |
Resolved-LOX for credit inquiries was provided. - Due Diligence
Vendor-11/10/2025 |
Qualifying DTI below maximum allowed - DTI 38.74%. Per guides,
maximum DTI 49.99%. Months Reserves exceed minimum required - 5.12mos reserves. Per guides, no reserves required. LTV is less than guideline maximum - LTV 60.87%. Per guides, maximum LTV 80%. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6163700 | |
| XXXX | XXXX | 4000101368 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-11-05 09:20 | 2025-11-05 10:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025 |
Qualifying DTI below maximum allowed - DTI 38.74%. Per guides,
maximum DTI 49.99%. Months Reserves exceed minimum required - 5.12mos reserves. Per guides, no reserves required. LTV is less than guideline maximum - LTV 60.87%. Per guides, maximum LTV 80%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6131162 | |||
| XXXX | XXXX | 4000100891 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-04 16:07 | 2025-11-04 16:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/04/2025 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/04/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - fico is 809, minimum fico 660 Months Reserves exceed minimum required - 0 months required, borrower has 29 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6123914 | |||
| XXXX | XXXX | 4000096548 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2025-11-05 16:36 | 2025-12-03 12:59 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for decrease in fees. Finding
Resolved. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. - Seller-12/02/2025 Counter------Received COC for Lender Increase on XXXX CD, I am in need of the COC for the Decrease for the CD XXXX. ---- Lender credit decreased from $2,009.00 to $1,869.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $140.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. Finding Remains. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. - Seller-11/18/2025 Counter-----Unable to read the COC that was uploaded. Finding Remains. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. - Seller-11/17/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,869.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,009.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $2,009.00 to $1,869.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $140.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/05/2025 |
Ready for Review-Document Uploaded. - Seller-12/02/2025 Ready for Review-Document Uploaded. - Seller-11/18/2025 Ready for Review-Document Uploaded. - Seller-11/17/2025 |
Resolved-----Received COC for decrease in fees. Finding
Resolved. - Due Diligence Vendor-12/03/2025 |
On time mortgage history exceeds guideline requirement - 0x30x33
on time mortgage history . 0x30x12 required Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 720; minimum score 660. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6145398 | |
| XXXX | XXXX | 4000101366 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000101419 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-11-13 18:46 | 2025-11-25 17:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Property report, OFAC and XXXX - Due Diligence
Vendor-11/25/2025 Ready for Review-Document Uploaded. Borrower doesnt own the XXXX. Please see property profile - Seller-11/22/2025 Ready for Review-Document Uploaded. Please See OFAC and GSA - Seller-11/22/2025 Counter-Received fraud report-provide evidence of high and medium alerts cleared, XXXX clearance, OFAC and confirmation no ownership in XXXX noted on report. Additional conditions may apply. - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Please see the XXXX - Seller-11/18/2025 Open-Missing Third Party Fraud Report Missing the third party fraud report. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Borrower doesnt own the
XXXX. Please see property profile - Seller-11/22/2025 Ready for Review-Document Uploaded. Please See OFAC and GSA - Seller-11/22/2025 Ready for Review-Document Uploaded. Please see the XXXX - Seller-11/18/2025 |
Resolved-Received Property report, OFAC and SAM.gov - Due
Diligence Vendor-11/25/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.83 LTV is less than guideline maximum - Required is 75 Borrower has 67.31 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6246694 | |
| XXXX | XXXX | 4000101419 | D | A | D | A | A | A | A | A | Closed | FCRE1363 | 2025-11-14 12:30 | 2025-11-20 17:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Received WVOE for B2 - Due Diligence Vendor-11/20/2025
Ready for Review-Document Uploaded. Hello please See WVOE for The CO borrower - Seller-11/18/2025 Open-Borrower 2 WVOE Missing Loan was approved with a written verification of employment. Missing the written verification of employment for the co-borrower. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Hello please See WVOE for
The CO borrower - Seller-11/18/2025 |
Resolved-Received WVOE for B2 - Due Diligence
Vendor-11/20/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 42.83 LTV is less than guideline maximum - Required is 75 Borrower has 67.31 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6256211 | |
| XXXX | XXXX | 4000101418 | C | B | C | B | A | A | A | A | Closed | FCRE1440 | 2025-11-16 10:54 | 2025-12-10 09:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with
compensating factors. Exception to
accept 9 month VOM and rent free letter for prior history. - Due Diligence
Vendor-12/09/2025 Counter-Received Rent Free letter. Missing 12 month payment history for Primary Residence noted as owned 1.1 yrs. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. 12 months housing history is sufficient. please see attached and waive - Seller-12/05/2025 Counter-9 months payment history provided, please provide a full 12 months. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please see attached credit re fresh. Open date is XXXX and DLA is XXXX. - Seller-11/24/2025 Open-Housing History Does Not Meet Guideline Requirements Missing full 12 month housing payment history - Due Diligence Vendor-11/16/2025 |
Ready for Review-Document Uploaded. 12 months housing history is
sufficient. please see attached and waive
- Seller-12/05/2025 Ready for Review-Document Uploaded. Please see attached credit re fresh. Open date is XXXX and DLA is XXXX. - Seller-11/24/2025 |
Waived-Originator waiver applied to non-material finding with
compensating factors. Exception to
accept 9 month VOM and rent free letter for prior history. - Due Diligence
Vendor-12/09/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 25.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 775 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6265266 | |
| XXXX | XXXX | 4000101361 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2025-11-13 11:03 | 2025-12-31 08:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
Finding resolved. - Due Diligence Vendor-12/31/2025 Ready for Review-It is standard practice for the Escrow disbursement date and the Closing Disclosure disbursement date to have a one to two business day difference, as wire confirmation and transfer can take time for the Escrow company. The Closing Disclosure is issued by the Lender and reflects the Lender's actual disbursement date for funding the loan. This difference does not violate any TRID rules or requirements. Please consider waiving this condition. - Seller-12/30/2025 Counter------Please send a settlement statement that matches Prepaid Interest Start date as disbursement date. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. please see attached - Seller-11/18/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-11/13/2025 |
Ready for Review-It is standard practice for the Escrow
disbursement date and the Closing Disclosure disbursement date to have a one
to two business day difference, as wire confirmation and transfer can take
time for the Escrow company. The Closing Disclosure is issued by the Lender
and reflects the Lender's actual disbursement date for funding the loan. This difference does not violate any TRID rules or requirements. Please consider waiving this condition. - Seller-12/30/2025 Ready for Review-Document Uploaded. please see attached - Seller-11/18/2025 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
Finding resolved. - Due Diligence Vendor-12/31/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 750 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.58 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6238630 | |
| XXXX | XXXX | 4000101367 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 4000102608 | D | B | D | A | B | B | A | A | Closed | FCRE5790 | 2025-11-20 15:23 | 2025-11-26 16:07 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received un-expired Gap Report. - Due Diligence
Vendor-11/26/2025 Ready for Review-Document Uploaded. Please See Soft Pull - Seller-11/25/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). . - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please See Soft Pull -
Seller-11/25/2025 |
Resolved-Received un-expired Gap Report. - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 711 LTV is less than guideline maximum - LTV Required is 80% Borrower has 42.86%. Required is 80 Borrower has 42.86 Qualifying DTI below maximum allowed - DTI Required is 49.99% Borrower has 40.5%. Required is 49.99 Borrower has 40.5 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6331269 | |
| XXXX | XXXX | 4000102608 | D | B | D | A | B | B | A | A | Closed | FCRE1152 | 2025-11-20 14:48 | 2025-11-26 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received commitment. - Due Diligence Vendor-11/26/2025
Ready for Review-Document Uploaded. Please See Prelim with tax info - Seller-11/25/2025 Open-Missing Evidence of Property Tax Missing Title. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please See Prelim with tax
info - Seller-11/25/2025 |
Resolved-Received commitment. - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 711 LTV is less than guideline maximum - LTV Required is 80% Borrower has 42.86%. Required is 80 Borrower has 42.86 Qualifying DTI below maximum allowed - DTI Required is 49.99% Borrower has 40.5%. Required is 49.99 Borrower has 40.5 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6330692 | |
| XXXX | XXXX | 4000102608 | D | B | D | A | B | B | A | A | Closed | FCRE1145 | 2025-11-20 14:48 | 2025-11-26 16:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received tax verification - Due Diligence
Vendor-11/26/2025 Ready for Review-Document Uploaded. Please See Prelim - Seller-11/25/2025 Open-Title Document is missing Missing Title. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please See Prelim -
Seller-11/25/2025 |
Resolved-Received tax verification - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 711 LTV is less than guideline maximum - LTV Required is 80% Borrower has 42.86%. Required is 80 Borrower has 42.86 Qualifying DTI below maximum allowed - DTI Required is 49.99% Borrower has 40.5%. Required is 49.99 Borrower has 40.5 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6330693 | |
| XXXX | XXXX | 4000102608 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-11-20 11:21 | 2025-11-20 11:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/20/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 711 LTV is less than guideline maximum - LTV Required is 80% Borrower has 42.86%. Required is 80 Borrower has 42.86 Qualifying DTI below maximum allowed - DTI Required is 49.99% Borrower has 40.5%. Required is 49.99 Borrower has 40.5 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6322663 | |||
| XXXX | XXXX | 4000102614 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2025-11-13 12:40 | 2025-11-19 12:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-----Received information that Origination fee is a
Broker Compensation Fee. Finding Resolved. - Due Diligence Vendor-11/19/2025
Ready for Review-It is a lender-paid broker compensation fee. Please waive this condition. - Seller-11/18/2025 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-11/13/2025 |
Ready for Review-It is a lender-paid broker compensation fee.
Please waive this condition. - Seller-11/18/2025 |
Resolved-----Received information that Origination fee is a
Broker Compensation Fee. Finding Resolved. - Due Diligence
Vendor-11/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 797 Borrower qualifying FICO score is
797. Per guidelines, the minimum FICO score required is 680. Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.57 Borrower DTI is 35.57%. Per guidelines, the maximum DTI is 49.99%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6241191 | ||
| XXXX | XXXX | 4000102614 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2025-11-13 12:20 | 2025-11-13 12:20 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/13/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/13/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 797 Borrower qualifying FICO score is
797. Per guidelines, the minimum FICO score required is 680. Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.57 Borrower DTI is 35.57%. Per guidelines, the maximum DTI is 49.99%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6240795 | |||
| XXXX | XXXX | 4000101888 | D | A | C | A | D | A | A | A | Closed | FCRE1440 | 2025-11-15 09:13 | 2025-12-01 16:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter. - Due Diligence
Vendor-12/01/2025 Ready for Review-Document Uploaded. Please find the attached LOE - Seller-11/26/2025 Open-Housing History Does Not Meet Guideline Requirements . Missing housing history for previous residence at XXXX. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please find the attached
LOE - Seller-11/26/2025 |
Resolved-Received rent free letter. - Due Diligence
Vendor-12/01/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6263453 | |
| XXXX | XXXX | 4000101888 | D | A | C | A | D | A | A | A | Closed | FCOM5135 | 2025-11-14 13:04 | 2025-11-25 12:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received SPL with all payee's listed as
non-affiliates. Finding Resolved. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please find the correct WSSPL. Marked No for affiliated business. - Seller-11/23/2025 Ready for Review-Document Uploaded. It marked No for the affiliated business on the WSSPL. Please waive this condition. - Seller-11/20/2025 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Please find the correct
WSSPL. Marked No for affiliated business.
- Seller-11/23/2025 Ready for Review-Document Uploaded. It marked No for the affiliated business on the WSSPL. Please waive this condition. - Seller-11/20/2025 |
Resolved------Received SPL with all payee's listed as
non-affiliates. Finding Resolved. - Due Diligence Vendor-11/25/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6256967 | |
| XXXX | XXXX | 4000102333 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-11-15 11:26 | 2025-11-25 09:00 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD confirming no funds required for closing.
- Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. - Seller-11/19/2025 Open-Total Qualified Assets Post-Close amount is XXXX. Assets are Insufficient. Loan file is missing funds required to close - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. - Seller-11/19/2025 |
Resolved-Received PCCD confirming no funds required for closing.
- Due Diligence Vendor-11/21/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has 52.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6263735 | |
| XXXX | XXXX | 4000102333 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2025-11-18 12:06 | 2025-11-20 17:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage ratings. - Due Diligence
Vendor-11/20/2025 Ready for Review-Document Uploaded. Please review the documents. They are already included in the package. - Seller-11/19/2025 Open-Housing History Does Not Meet Guideline Requirements Missing 12 month payment history for XXXX and XXXX - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. Please review the documents.
They are already included in the package. - Seller-11/19/2025 |
Resolved-Received mortgage ratings. - Due Diligence
Vendor-11/20/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has 52.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6290616 | |
| XXXX | XXXX | 4000102317 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-11-19 22:06 | 2025-12-09 13:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Hazard Insurance with Effective Date of XXXX
which is after the Note Date of XXXX, but same day as Disbursement date. -
Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED POLICY - Seller-12/07/2025 Counter-Received settlement statement with disbursement of XXXX-finding remains. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. please see attached - Seller-11/25/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date is XXXX, missing evidence of insurance at time of disbursement. - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED POLICY -
Seller-12/07/2025 Ready for Review-Document Uploaded. please see attached - Seller-11/25/2025 |
Resolved-Received Hazard Insurance with Effective Date of XXXX
which is after the Note Date of XXXX, but same day as Disbursement date. -
Due Diligence Vendor-12/09/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 783 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.35 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6314643 | |
| XXXX | XXXX | 4000102322 | C | B | C | A | B | B | A | A | Closed | FCRE1198 | 2025-11-19 11:06 | 2025-11-26 16:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please see attached updated PCCD - Seller-11/25/2025 Counter-Final Settlement statement provided. Please provide the PCCD. - Due Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. Please waive this condition as the Final SS from Escrow shows the refund of XXXX to the borrower which could be used as a reserve. Please see attached FSS - Seller-11/21/2025 Open-Audited Reserves of 3.55 month(s) are less than Guideline Required Reserves of 4 month(s) Guidelines require 4 months P&I reserves for an LTV greater than 75%. Subject LTV is 79.42%. Required amount of reserves is $24,475.48. The borrower is short reserves in the amount of XXXX. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please see attached updated
PCCD - Seller-11/25/2025 Ready for Review-Document Uploaded. Please waive this condition as the Final SS from Escrow shows the refund of XXXX to the borrower which could be used as a reserve. Please see attached FSS - Seller-11/21/2025 |
Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 719. Per guide, a minimum score required
680. Required is 680 Borrower has 719 Qualifying DTI below maximum allowed - Borr DTI 31.56%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 31.56 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6305164 | |
| XXXX | XXXX | 4000102322 | C | B | C | A | B | B | A | A | Closed | FCOM1353 | 2025-11-18 17:51 | 2025-11-18 17:51 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-11/18/2025 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator
waiver applied to non-material finding. - Due Diligence Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 719. Per guide, a minimum score required
680. Required is 680 Borrower has 719 Qualifying DTI below maximum allowed - Borr DTI 31.56%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 31.56 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6296851 | |||
| XXXX | XXXX | 4000102329 | C | A | C | A | C | A | A | A | Closed | FCRE0075 | 2025-11-17 12:39 | 2025-12-03 15:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received updated 1003. - Due Diligence
Vendor-12/03/2025 Ready for Review-Document Uploaded. Post 1003 attached - Seller-12/02/2025 Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Per application borrower is a Co-signor on a note. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Post 1003 attached -
Seller-12/02/2025 |
Resolved-Received updated 1003. - Due Diligence
Vendor-12/03/2025 |
Verified employment history exceeds guidelines - Borrower at
employer 13 years Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 799 Required is 740 Borrower has 799 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6275226 | |
| XXXX | XXXX | 4000102329 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2025-11-17 10:42 | 2025-12-03 14:03 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/02/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-11/17/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/02/2025 |
Resolved------Received PCCD dated XXXX. Finding Resolved. - Due
Diligence Vendor-12/03/2025 |
Verified employment history exceeds guidelines - Borrower at
employer 13 years Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 799 Required is 740 Borrower has 799 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6272292 | |
| XXXX | XXXX | 4000102599 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2025-11-17 15:15 | 2025-11-17 15:15 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. Originator
waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 |
Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. Originator
waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
806 LTV is less than guideline maximum - Max LTV is 80% Borrower has 47.5% Required is 80 Borrower has 47.5 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6279001 | |||
| XXXX | XXXX | 4000102599 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-17 15:15 | 2025-11-17 15:15 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/17/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
806 LTV is less than guideline maximum - Max LTV is 80% Borrower has 47.5% Required is 80 Borrower has 47.5 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6279002 | |||
| XXXX | XXXX | 4000102313 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-18 14:34 | 2025-11-18 18:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-11/18/2025 | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material finding. - Due Diligence Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 813.
Required is 660 Borrower has 813 LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 58.90%. Required is 80 Borrower has 58.9 Qualifying DTI below maximum allowed - Guideline maximum DTI is 49.99%. Borrower's DTI is 36.96%. Required is 49.99 Borrower has 36.96 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6293510 | |||
| XXXX | XXXX | 4000102316 | D | A | D | A | A | A | A | A | Closed | FCRE0700 | 2025-11-20 16:16 | 2025-11-25 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-After further review, there is a signed CD in the loan
file. - Due Diligence Vendor-11/25/2025 Ready for Review-The Page 322 CD in the package is the documentation to display the actual lender's disbursement date. Please waive this condition. - Seller-11/25/2025 Counter-Please provide documentation to support the date of disbursement. - Due Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. - Seller-11/21/2025 Ready for Review-This is a Post Consummation Closing Disclosure. It supposed to have no signatures. - Seller-11/21/2025 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Page 322 CD most recent dated XXXX disburse is missing signature. - Due Diligence Vendor-11/20/2025 |
Ready for Review-The Page 322 CD in the package is the
documentation to display the actual lender's disbursement date. Please waive
this condition. - Seller-11/25/2025 Ready for Review-Document Uploaded. - Seller-11/21/2025 Ready for Review-This is a Post Consummation Closing Disclosure. It supposed to have no signatures. - Seller-11/21/2025 |
Resolved-After further review, there is a signed CD in the loan
file. - Due Diligence Vendor-11/25/2025 |
Qualifying DTI below maximum allowed - Required is 50 Borrower
has 26.39 Required is 50 Borrower has 26.39 Months Reserves exceed minimum required - 6 MONTHS RESERVES pi REQUIRED AND THE BORROWER HAS 14 MONTHS. LTV is less than guideline maximum - Required is 75 Borrower has 58.63 70% LTV MAXIMUM AND THE BORROWER HAS 58% LTV Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6332432 | |
| XXXX | XXXX | 4000102597 | C | A | C | A | A | A | A | A | Closed | FCRE0044 | 2025-11-20 11:52 | 2025-12-04 17:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence
Vendor-12/04/2025 Ready for Review-Document Uploaded. Hello the credit inquries are the same from the original credit report the advanage credit inquries that is the credit company we use to pull the soft pull. - Seller-12/03/2025 Open-LOX for credit inquiries is missing. Gap report reflects an inquiry with XXXX on XXXX (after initial credit was pulled). No new trades reflecting on credit. LOE required for this inquiry as not addressed on letter in file dated XXXX. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Hello the credit inquries
are the same from the original credit report the advanage credit inquries
that is the credit company we use to pull the soft pull. -
Seller-12/03/2025 |
Resolved-Received credit inquiry LOE. - Due Diligence
Vendor-12/04/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min required is 660, Borrower has 811 Required is 660 Borrower has
811 LTV is less than guideline maximum - Max is 80%, Borrower has 28.85% Required is 80 Borrower has 28.85 Qualifying DTI below maximum allowed - Max is 49.99%, Borrower has 19.75% Required is 49.99 Borrower has 19.75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6323568 | |
| XXXX | XXXX | 4000102319 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-18 15:21 | 2025-11-18 15:21 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/18/2025 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower
has 778 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 6294298 | |||
| XXXX | XXXX | 4000102331 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2025-11-17 19:59 | 2025-11-21 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Upon further review, FSBO, escrow instruction are in
the loan file. - Due Diligence Vendor-11/20/2025 Ready for Review-This is a for-sale-by-owner transaction. There are no agents involved. Please use the escrow instructions as the purchase contract. - Seller-11/19/2025 Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract - Due Diligence Vendor-11/18/2025 |
Ready for Review-This is a for-sale-by-owner transaction. There
are no agents involved. Please use the escrow instructions as the purchase
contract. - Seller-11/19/2025 |
Resolved-Upon further review, FSBO, escrow instruction are in
the loan file. - Due Diligence Vendor-11/20/2025 |
Qualifying DTI below maximum allowed - Borr DTI 28.58%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 28.58 LTV is less than guideline maximum - Borr LTV 28.57%. Per guides, maximum LTV 80%. Required is 80 Borrower has 28.57 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 810. Per guide, a minimum score required 660. Required is 660 Borrower has 810 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6282683 | ||
| XXXX | XXXX | 4000102320 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000102595 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000102601 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2025-11-18 16:21 | 2025-11-18 16:22 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-11/18/2025 |
Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
809 LTV is less than guideline maximum - Max LTV is 80 Borrower has 64.62 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6295665 | |||
| XXXX | XXXX | 4000102601 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-18 15:09 | 2025-11-18 15:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material findings. - Due Diligence Vendor-11/18/2025 | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material findings. - Due Diligence
Vendor-11/18/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
809 LTV is less than guideline maximum - Max LTV is 80 Borrower has 64.62 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6294113 | |||
| XXXX | XXXX | 4000102315 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-11-20 08:29 | 2025-12-04 17:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence
Vendor-12/04/2025 Ready for Review-Document Uploaded. Please See Businness Purpose affidavit - Seller-12/03/2025 Open-The Business Purpose Affidavit Disclosure is Missing BP form in file is incomplete; it is missing the loan number, borrower's name and address, and subject property address. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please See Businness Purpose
affidavit - Seller-12/03/2025 |
Resolved-Received business purpose affidavit. - Due Diligence
Vendor-12/04/2025 |
Months Reserves exceed minimum required - 25.11mos (42,330.32)
reserves. Per guides, 2mos ($3371.24) reserves required (an additional 2mos
for all other REOs). Total reserves required $7432.76. Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 802. Per guide, a minimum score required 680. Required is 680 Borrower has 802 LTV is less than guideline maximum - Borr LTV 65%. Per guides, maximum LTV 75%. Required is 75 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.32 Per guides, minimum DSCR 0 Required is 0 Borrower has 1.032 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6318411 | |
| XXXX | XXXX | 4000102600 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000102619 | C | A | C | A | A | A | A | A | Closed | FCRE1143 | 2025-11-20 14:52 | 2025-12-19 15:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder in Control of the HOA | Resolved-HOA questionnaire provided estimated completion date
and turn over date to the HOA - Due
Diligence Vendor-12/19/2025 Ready for Review-Hello, this project is new construction, so the HOA was still under the developer’s control, and ask them to review the condo questionnaire included in the package again? Please note that the budget and completion assurance were provided, and the loan was reviewed as a full review. please waive - Seller-12/17/2025 Counter-Received Appraisal. Appraisal still indicate the development is still under construction and the developer still controls the HOA - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-12/11/2025 Open-Builder is in control of HOA Per Appraisal completed XXXX indicated 'No' to question "developer/builder in control of the Homeowners’ Association (HOA)?" However, Appraiser acknowledged the 'Developer' is in control of the HOA. Provide confirmation - Due Diligence Vendor-11/24/2025 |
Ready for Review-Hello, this project is new construction, so the
HOA was still under the developer’s control, and ask them to review the condo
questionnaire included in the package again? Please note that the budget and completion assurance were provided, and the loan was reviewed as a full review. please waive - Seller-12/17/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-12/11/2025 |
Resolved-HOA questionnaire provided estimated completion date
and turn over date to the HOA - Due
Diligence Vendor-12/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
704 LTV is less than guideline maximum - Required is 90 Borrower has 60.62 Qualifying DTI below maximum allowed - Borr DTI 38.06%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6330788 | |
| XXXX | XXXX | 4000102619 | C | A | C | A | A | A | A | A | Closed | FCRE9996 | 2025-11-24 17:33 | 2025-12-19 15:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo does not meet requirements | Resolved-HOA questionnaire provided estimated completion date
and turn over date to the HOA - Due Diligence Vendor-12/19/2025 Ready for Review-Hello, this project is new construction, so the HOA was still under the developer’s control, and ask them to review the condo questionnaire included in the package again? Please note that the budget and completion assurance were provided, and the loan was reviewed as a full review. please waive - Seller-12/17/2025 Counter-Received Appraisal. Appraisal still indicate the development is still under construction and the developer still controls the HOA. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-12/11/2025 Open-Per Appraisal, the development is still under construction and the developer still controls the HOA. - Due Diligence Vendor-11/24/2025 |
Ready for Review-Hello, this project is new construction, so the
HOA was still under the developer’s control, and ask them to review the condo
questionnaire included in the package again? Please note that the budget and completion assurance were provided, and the loan was reviewed as a full review. please waive - Seller-12/17/2025 Ready for Review-Document Uploaded. PLease see attached - Seller-12/11/2025 |
Resolved-HOA questionnaire provided estimated completion date
and turn over date to the HOA - Due Diligence Vendor-12/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
704 LTV is less than guideline maximum - Required is 90 Borrower has 60.62 Qualifying DTI below maximum allowed - Borr DTI 38.06%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6374053 | |
| XXXX | XXXX | 4000103010 | C | B | C | A | B | B | A | A | Closed | FCRE1500 | 2025-11-24 17:19 | 2025-12-29 14:32 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-An assignment and assumption agreement was provided
reflecting that thee obligations of an existing Power Purchase Agreement
(PPA) from the original customer (assignor) to the borrower. - Due Diligence
Vendor-12/29/2025 Counter-Received Solar Assignment. Missing PPA and confirmation of no payments required. - Due Diligence Vendor-12/24/2025 Ready for Review-For Solar, it is a PPA. No need to disclose the monthly payment… it’s pay per use. Also, monthly payment does not need to be included in the DTI. please waive condition - Seller-12/23/2025 Counter-Received solar agreement. Documents provided do not disclose monthly payment amount. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Property has leased solar, provide payment for solar. Additional findings may apply. - Due Diligence Vendor-11/24/2025 |
Ready for Review-For Solar, it is a PPA. No need to disclose the
monthly payment… it’s pay per use. Also, monthly payment does not need to be
included in the DTI. please waive condition - Seller-12/23/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 |
Resolved-An assignment and assumption agreement was provided
reflecting that thee obligations of an existing Power Purchase Agreement
(PPA) from the original customer (assignor) to the borrower. - Due Diligence
Vendor-12/29/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 Required is 660 Borrower has
797 LTV is less than guideline maximum - Required is 80 Borrower has 41.05 Required is 80 Borrower has 41.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6373892 | |
| XXXX | XXXX | 4000103010 | C | B | C | A | B | B | A | A | Closed | FCRE1506 | 2025-11-24 17:12 | 2025-12-29 14:32 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-An assignment and assumption agreement was provided
reflecting that thee obligations of an existing Power Purchase Agreement
(PPA) from the original customer (assignor) to the borrower. - Due Diligence
Vendor-12/29/2025 Counter-Pending confirmation of solar lease PPA with no payments. - Due Diligence Vendor-12/24/2025 Ready for Review-For Solar, it is a PPA. No need to disclose the monthly payment… it’s pay per use. Also, monthly payment does not need to be included in the DTI. please waive condition - Seller-12/23/2025 Counter-Pending verification of Solar payments. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Property has leased solar, provide payment for solar. Additional findings may apply. - Due Diligence Vendor-11/24/2025 |
Ready for Review-For Solar, it is a PPA. No need to disclose the
monthly payment… it’s pay per use. Also, monthly payment does not need to be
included in the DTI. please waive condition - Seller-12/23/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 |
Resolved-An assignment and assumption agreement was provided
reflecting that thee obligations of an existing Power Purchase Agreement
(PPA) from the original customer (assignor) to the borrower. - Due Diligence
Vendor-12/29/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 Required is 660 Borrower has
797 LTV is less than guideline maximum - Required is 80 Borrower has 41.05 Required is 80 Borrower has 41.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6373354 | |
| XXXX | XXXX | 4000103010 | C | B | C | A | B | B | A | A | Closed | FCRE1148 | 2025-11-23 16:09 | 2025-12-29 14:25 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage amount of XXXX was provided. - Due
Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/29/2025 Counter-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title does not indicate coverage amount. Additional findings may apply. - Due Diligence Vendor-12/24/2025 Ready for Review-For Solar, it is a PPA. No need to disclose the monthly payment… it’s pay per use. Also, monthly payment does not need to be included in the DTI. please waive condition - Seller-12/23/2025 Counter-Received Solar Plan agreement. Finding is for Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title does not indicate coverage amount. Additional findings may apply. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title does not indicate coverage amount. Additional findings may apply. - Due Diligence Vendor-11/23/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/29/2025 Ready for Review-For Solar, it is a PPA. No need to disclose the monthly payment… it’s pay per use. Also, monthly payment does not need to be included in the DTI. please waive condition - Seller-12/23/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 |
Resolved-Title with coverage amount of XXXX was provided. - Due
Diligence Vendor-12/29/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 Required is 660 Borrower has
797 LTV is less than guideline maximum - Required is 80 Borrower has 41.05 Required is 80 Borrower has 41.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6356691 | |
| XXXX | XXXX | 4000103010 | C | B | C | A | B | B | A | A | Closed | FCOM1353 | 2025-11-21 11:23 | 2025-11-21 13:16 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-11/21/2025 | Waived-The Incorrect ROR Form Type is selected in light of the
Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model
is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8
is acceptable in place of H9 form. Finding is deemed non-material. Client
waiver applied to non-material Findings.
- Due Diligence Vendor-11/21/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 797 Required is 660 Borrower has
797 LTV is less than guideline maximum - Required is 80 Borrower has 41.05 Required is 80 Borrower has 41.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6341164 | |||
| XXXX | XXXX | 4000103008 | C | B | C | A | B | B | A | A | Closed | FCRE1204 | 2025-11-20 12:47 | 2025-12-02 13:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Grant deed provided for property listed in the fraud
report, which confirms no ownership. - Due Diligence Vendor-12/02/2025 Ready for Review-We are requesting a waiver for the condition related to the name variation and property ownership. Specifically, our borrower has no data associated with the name XXX XXXXX X and has never owned the property located at XXXX. Given this information, we kindly ask that you review the case and waive this condition. - Seller-11/25/2025 Open-Fraud Report Shows Uncleared Alerts Please clear the 1 high alert found on loansafe report regarding potential undisclosed REO. - Due Diligence Vendor-11/20/2025 |
Ready for Review-We are requesting a waiver for the condition
related to the name variation and property ownership. Specifically, our
borrower has no data associated with the name XXXX and has never owned the
property located at XXXX. Given this information, we kindly ask that you
review the case and waive this condition. - Seller-11/25/2025 |
Resolved-Grant deed provided for property listed in the fraud
report, which confirms no ownership. - Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 789 LTV is less than guideline maximum - Required is 80 Borrower has 55.45 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6324726 | |
| XXXX | XXXX | 4000103008 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-19 16:50 | 2025-11-19 17:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 789 LTV is less than guideline maximum - Required is 80 Borrower has 55.45 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6312512 | |||
| XXXX | XXXX | 4000102621 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-11-24 16:47 | 2025-12-05 14:29 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. PCCD attached - Seller-12/04/2025 Open-Total Qualified Assets Post-Close amount is XXXX. Assets are Insufficient. Missing additional assets for closing - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. PCCD attached -
Seller-12/04/2025 |
Resolved-Received PCCD. - Due Diligence Vendor-12/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
708 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.7 LTV is less than guideline maximum - Required is 80 Borrower has 59.3 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6372664 | |
| XXXX | XXXX | 4000103007 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000103006 | C | A | A | A | C | A | A | A | Closed | FCOM9998 | 2025-11-19 07:49 | 2025-11-26 11:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received acknowledgement the Origination fee is a
Broker Compensation fee. Finding Resolved. - Due Diligence Vendor-11/26/2025
Ready for Review-Document Uploaded. It's a lender-paid broker compensation fee. Please waive this condition. - Seller-11/25/2025 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. It's a lender-paid broker
compensation fee. Please waive this condition. - Seller-11/25/2025 |
Resolved------Received acknowledgement the Origination fee is a
Broker Compensation fee. Finding Resolved. - Due Diligence
Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower
has 776 LTV is less than guideline maximum - Required is 80 Borrower has 53.05 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.51 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6301272 | |
| XXXX | XXXX | 4000102602 | B | A | A | A | B | A | A | A | Closed | FCOM5135 | 2025-11-19 12:38 | 2025-12-02 12:20 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-12/02/2025 Ready for Review-Please review the disclosure - Seller-12/01/2025 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-11/19/2025 |
Ready for Review-Please review the disclosure -
Seller-12/01/2025 |
Resolved-Upon further review, the document(s) are located in
original file, nothing further required.
- Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 801 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6307450 | |
| XXXX | XXXX | 4000102999 | D | A | D | A | A | A | A | A | Closed | FCRE1148 | 2025-12-09 21:41 | 2025-12-18 17:06 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due
Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. - Seller-12/17/2025 Counter-Received HOI. Finding is for Title coverage - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Coverage A is XXXX, which exceeds the total subject lien amount of XXXX. Condition appears to be satisfied; kindly reconsider. - Seller-12/11/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s) of XXXX - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. - Seller-12/17/2025 Ready for Review-Document Uploaded. Coverage A is XXXX, which exceeds the total subject lien amount of XXXX. Condition appears to be satisfied; kindly reconsider. - Seller-12/11/2025 |
Resolved-Received Final Title w/sufficient coverage. - Due
Diligence Vendor-12/18/2025 |
Qualifying DTI below maximum allowed - Borr DTI 32.1%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.1 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 740. Per guide, a minimum score required 660. Required is 660 Borrower has 740 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6559450 | |
| XXXX | XXXX | 4000102999 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-12-09 11:59 | 2025-12-12 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit. - Due Diligence Vendor-12/12/2025
Ready for Review-Document Uploaded. - Seller-12/11/2025 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. - Seller-12/11/2025 |
Resolved-Received Gap Credit. - Due Diligence
Vendor-12/12/2025 |
Qualifying DTI below maximum allowed - Borr DTI 32.1%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.1 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 740. Per guide, a minimum score required 660. Required is 660 Borrower has 740 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6550428 | |
| XXXX | XXXX | 4000103004 | C | B | C | A | B | B | A | A | Closed | FCRE5802 | 2025-11-21 11:01 | 2025-12-02 08:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. please see the attached Post CD for your review - Seller-11/26/2025 Open-Missing reserves in the amount of XXXX; 4 months P&I. All gift funds were provided to the Settlement Office with no proof of any funds being returned to the borrower to cover the reserve amount. - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. please see the attached Post
CD for your review - Seller-11/26/2025 |
Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - FICO Required is 680. Borrower has 792. Required is 680 Borrower
has 792 Qualifying DTI below maximum allowed - DTI Required is 49.99%. Borrower has 39.05%. Required is 49.99 Borrower has 39.05 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6340772 | |
| XXXX | XXXX | 4000103004 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-20 13:12 | 2025-11-20 13:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - FICO Required is 680. Borrower has 792. Required is 680 Borrower
has 792 Qualifying DTI below maximum allowed - DTI Required is 49.99%. Borrower has 39.05%. Required is 49.99 Borrower has 39.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6328809 | |||
| XXXX | XXXX | 4000102997 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-19 15:25 | 2025-11-19 15:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.78 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6311033 | |||
| XXXX | XXXX | 4000103208 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-11-26 13:56 | 2025-11-26 13:56 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 |
Waived-Required Affiliated Business Disclosure Missing -----
Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 797 Required is 680 Borrower has
797 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.4 Required is 49.99 Borrower has 25.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6405726 | |||
| XXXX | XXXX | 4000102620 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-11-26 11:45 | 2025-12-03 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and license validation. - Due
Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/02/2025 Counter-Received CPA letter-missing license validation. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-12/01/2025 Open-Borrower 1 CPA Letter Missing CPA letter missing from file - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. Please see attached -
Seller-12/02/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-12/01/2025 |
Resolved-Received CPA letter and license validation. - Due
Diligence Vendor-12/03/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.25 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6402455 | |
| XXXX | XXXX | 4000102620 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-11-26 11:45 | 2025-12-03 15:01 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received CPA letter
- Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. THIS WAS INCLUDED IN THE CLOSING PACKAGE - Seller-12/01/2025 Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number verification via XXXX Search, XXXX or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. THIS
WAS INCLUDED IN THE CLOSING PACKAGE - Seller-12/01/2025 |
Resolved-Received CPA letter
- Due Diligence Vendor-12/02/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.25 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6402456 | |
| XXXX | XXXX | 4000102620 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2025-11-26 11:48 | 2025-12-02 18:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter. - Due Diligence
Vendor-12/02/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. THIS WAS INCLUDED IN THE CLOSING PACKAGE. PLEASE WAIVE. - Seller-12/01/2025 Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter or 12 month housing history - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. PLEASE SEE ATTACHED. THIS
WAS INCLUDED IN THE CLOSING PACKAGE. PLEASE WAIVE. - Seller-12/01/2025 |
Resolved-Received rent free letter. - Due Diligence
Vendor-12/02/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.25 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6402551 | |
| XXXX | XXXX | 4000103207 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2025-12-02 11:36 | 2025-12-22 15:49 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Access Letter. - Due Diligence
Vendor-12/22/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/19/2025 Open-Asset Record 1 Does Not Meet G/L Requirements Provide Funds access letter from XXXX. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/19/2025 |
Resolved-Received Access Letter. - Due Diligence
Vendor-12/22/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has
750 Months Reserves exceed minimum required - The Borrower has 10 months in reserves; 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6448596 | |
| XXXX | XXXX | 4000103203 | C | B | C | A | B | B | A | A | Closed | FCRE1159 | 2025-11-20 21:04 | 2025-11-24 08:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD reflects the loan disbursed on XXXX. - Due
Diligence Vendor-11/24/2025 Ready for Review-Document Uploaded. Please see attached PCCD, already included in the closing package, which certifies the actual disbursement date as XXXX which the insurance policy effective date covers from 00:00 according to insurance industry standard. Please reconsider and help to waive this condition - Seller-11/23/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Effective after Note date, Disb XXXX - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. Please see attached PCCD,
already included in the closing package, which certifies the actual disbursement date as
XXXX which the insurance policy effective date covers from 00:00 according to
insurance industry standard. Please reconsider and help to waive this
condition - Seller-11/23/2025 |
Resolved-PCCD reflects the loan disbursed on XXXX. - Due
Diligence Vendor-11/24/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min FICO 660, Bwr FICO 781 Required is 660 Borrower has 781 Qualifying DTI below maximum allowed - Well below max allowable DTI Required is 49.99 Borrower has 39.31 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6334844 | |
| XXXX | XXXX | 4000103203 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-20 13:46 | 2025-11-20 13:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/20/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-11/20/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Min FICO 660, Bwr FICO 781 Required is 660 Borrower has 781 Qualifying DTI below maximum allowed - Well below max allowable DTI Required is 49.99 Borrower has 39.31 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6329462 | |||
| XXXX | XXXX | 4000103204 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-11-24 14:38 | 2025-11-26 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Receive reo property taxes calculation. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please refer to the calculation. XXXX - Seller-11/25/2025 Open-Missing verification of taxes for property 3b. Property loan detail report does not show tax amount and no tax cert/bill in file. Additional findings may apply. - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. Please refer to the
calculation. XXXX - Seller-11/25/2025 |
Resolved-Receive reo property taxes calculation. - Due Diligence Vendor-11/26/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 720 Borrower has 789 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6370000 | |
| XXXX | XXXX | 4000103210 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000103206 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000103254 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-12-02 14:57 | 2025-12-05 14:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is after the
Note Date of XXXX Received CD confirming disbursement XXXX - Due Diligence
Vendor-12/05/2025 Ready for Review-Document Uploaded. the actual funding date was XXXX. Please find the attached PCCD - Seller-12/04/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Insurance was not in effect at funding time on XXXX. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. the actual funding date was XXXX. Please
find the attached PCCD - Seller-12/04/2025 |
Resolved-Hazard Insurance Effective Date of XXXX is after the
Note Date of XXXX Received CD confirming disbursement XXXX - Due Diligence
Vendor-12/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 766. Per guide, a minimum score required
680. Required is 680 Borrower has 766 LTV is less than guideline maximum - Borr LTV 63.96%. Per guides, maximum LTV 75%. Required is 75 Borrower has 63.96 Months Reserves exceed minimum required - 32.97mos ($303,649.32) reserves. Per guides, 6mos ($55,260.54) reserves required (an additional 2mos for all other REOs). Total reserves required $59,702.54. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6453399 | |
| XXXX | XXXX | 4000103639 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000099740 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2025-11-26 13:44 | 2025-12-05 11:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, the taxes were verified in file. -
Due Diligence Vendor-12/05/2025 Counter-Pending reo validation - Due Diligence Vendor-12/04/2025 Ready for Review-see attachments on other condition - Seller-12/02/2025 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/26/2025 |
Ready for Review-see attachments on other condition -
Seller-12/02/2025 |
Resolved-Upon further review, the taxes were verified in file. -
Due Diligence Vendor-12/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 744 and minimum allowed is 660 Required is 660 Borrower
has 744 Qualifying DTI below maximum allowed - DTI is 36.27% an max allowed is 50% Required is 50 Borrower has 36.27 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6405352 | ||
| XXXX | XXXX | 4000099740 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2025-11-26 13:24 | 2025-12-05 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the taxes were verified in file. -
Due Diligence Vendor-12/05/2025 Counter-Received LOE confirming No HOI-missing re taxes. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. see letter, no insurance - Seller-12/02/2025 Open-Missing verification of insurance for non-subject property REO 3b. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. see letter, no insurance -
Seller-12/02/2025 |
Resolved-Upon further review, the taxes were verified in file. -
Due Diligence Vendor-12/05/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 744 and minimum allowed is 660 Required is 660 Borrower
has 744 Qualifying DTI below maximum allowed - DTI is 36.27% an max allowed is 50% Required is 50 Borrower has 36.27 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6404863 | |
| XXXX | XXXX | 4000099740 | D | A | D | A | C | A | A | A | Closed | FCRE1440 | 2025-11-26 13:55 | 2025-12-04 11:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received fraud report confirming properties are lien
free. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. see page 18 and 19 - highlighted area for verification no open mortgage. See guideline verifying this is an acceptable form of verification. - Seller-12/02/2025 Open-Housing History Does Not Meet Guideline Requirements. REO's with no liens are required to be documented. Missing lien Search for 3a and 3b to support evidence that these REO's a have no mortgage or liens associated with properties. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. see page 18 and 19 -
highlighted area for verification no open mortgage. See guideline verifying this is an
acceptable form of verification. -
Seller-12/02/2025 |
Resolved-Received fraud report confirming properties are lien
free. - Due Diligence Vendor-12/04/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 744 and minimum allowed is 660 Required is 660 Borrower
has 744 Qualifying DTI below maximum allowed - DTI is 36.27% an max allowed is 50% Required is 50 Borrower has 36.27 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6405711 | |
| XXXX | XXXX | 4000099740 | D | A | D | A | C | A | A | A | Closed | finding-3652 | 2025-11-25 13:22 | 2025-12-03 12:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in fees. Finding
Resolved. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. - Seller-12/02/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,730.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $1,730.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,730.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/25/2025 |
Ready for Review-Document Uploaded. - Seller-12/02/2025 |
Resolved------Received COC for decrease in fees. Finding
Resolved. - Due Diligence Vendor-12/03/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Score is 744 and minimum allowed is 660 Required is 660 Borrower
has 744 Qualifying DTI below maximum allowed - DTI is 36.27% an max allowed is 50% Required is 50 Borrower has 36.27 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6386757 | |
| XXXX | XXXX | 4000099102 | C | B | C | B | A | A | A | A | Closed | FCRE1278 | 2025-12-01 11:11 | 2025-12-02 16:17 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided a waiver for escrow waiver DSCR
<1.0, applied to non material finding with comp factors - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. - Seller-12/01/2025 Open-Escrows were waived, per the guidelines DSCR less than 1.0 escrow waivers are not allowed, subject DSCR is .792. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. - Seller-12/01/2025 |
Waived-Originator provided a waiver for escrow waiver DSCR
<1.0, applied to non material finding with comp factors - Due Diligence Vendor-12/02/2025 |
LTV is less than guideline maximum - Required is 75 Borrower has
41.48 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 |
FICO: 793 > 700 min LTV: 45%<70% max allowed. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6428944 |
| XXXX | XXXX | 4000102618 | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-11-29 14:56 | 2025-12-02 18:17 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received property profile confirming no HOA. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. It's a SFR preoprty. Insurance XXXX Please waive this condition. - Seller-12/01/2025 Open-Income and Employment Do Not Meet Guidelines Provide evidence of HOA for XXXX, Client has XXXX in tax/ins/hoa listed on URLA/1003 and UW is calculating less, additional findings may apply. - Due Diligence Vendor-11/29/2025 |
Ready for Review-Document Uploaded. It's a SFR preoprty.
Insurance XXXX Please waive this condition. - Seller-12/01/2025 |
Resolved-Received property profile confirming no HOA. - Due Diligence Vendor-12/02/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.43 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6422314 | |
| XXXX | XXXX | 4000102618 | C | A | C | A | A | A | A | A | Closed | FCRE7009 | 2025-11-29 14:29 | 2025-12-02 18:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. It covers the RCE amount. Please waive this condition. - Seller-12/01/2025 Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-11/29/2025 |
Ready for Review-Document Uploaded. It covers the RCE amount.
Please waive this condition. -
Seller-12/01/2025 |
Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-12/02/2025 |
LTV is less than guideline maximum - Required is 80 Borrower has
70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.43 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6422260 | |
| XXXX | XXXX | 4000103643 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000104472 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-12-08 13:46 | 2025-12-08 14:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025 |
Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025 |
Months Reserves exceed minimum required - Minimum reserves
required is 4 months - actual reserves is 11.06 months. Qualifying DTI below maximum allowed - Maximum DTI allowed is 49.99% - actual DTI is 29.73% Required is 49.99 Borrower has 29.73 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6532998 | |||
| XXXX | XXXX | 4000101988 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-11-26 17:13 | 2025-12-04 11:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated exception provided, loan was approved as a P
& L loan. - Due Diligence Vendor-12/04/2025 Counter-Loan was approved using bank statements as income documents, per the loan approval and tape. File contains a P&L only. Exception waiver provided does not match income documentation in file, correct waiver will also be needed. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. - Seller-12/02/2025 Open-Income and Employment Do Not Meet Guidelines Loan was approved using bank statements as income documents, per the loan approval. File contains a P&L only. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. - Seller-12/02/2025 |
Resolved-Updated exception provided, loan was approved as a P
& L loan. - Due Diligence Vendor-12/04/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has
41.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6409389 | |
| XXXX | XXXX | 4000101988 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-11-30 10:54 | 2025-12-04 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Updated exception provided, loan was approved as a P
& L loan. - Due Diligence Vendor-12/04/2025 Counter-Loan was approved using bank statements as income documents, per the loan approval and tape. File contains a P&L only. Exception waiver provided does not match income documentation in file, correct waiver will also be needed. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. - Seller-12/02/2025 Open-Borrower 1 Business Bank Statements Missing Missing the 12 months bank statements. - Due Diligence Vendor-11/30/2025 |
Ready for Review-Document Uploaded. - Seller-12/02/2025 |
Resolved-Updated exception provided, loan was approved as a P
& L loan. - Due Diligence Vendor-12/04/2025 |
LTV is less than guideline maximum - Required is 70 Borrower has
41.67 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6422802 | |
| XXXX | XXXX | 4000104443 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000101410 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 4000104454 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000104461 | C | B | C | A | B | B | A | A | Closed | FCRE1159 | 2025-12-03 17:45 | 2025-12-08 18:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received post close CD with disbursement date after
effective date. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide Hazard Insurance with Effective Date on or before disbursement Date XXXX. - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 |
Resolved-Received post close CD with disbursement date after
effective date. - Due Diligence Vendor-12/08/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 15.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6475077 | |
| XXXX | XXXX | 4000104461 | C | B | C | A | B | B | A | A | Closed | FCRE0185 | 2025-12-04 08:23 | 2025-12-08 18:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan missing Desk Review as required per Guidelines | Resolved-Upon further review desk review is in file. - Due
Diligence Vendor-12/08/2025 Ready for Review-Please refer to pages 193-213. It is already included in the package. - Seller-12/05/2025 Open-Provide desk review as required per guidelines - Due Diligence Vendor-12/04/2025 |
Ready for Review-Please refer to pages 193-213. It is already
included in the package. - Seller-12/05/2025 |
Resolved-Upon further review desk review is in file. - Due
Diligence Vendor-12/08/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 15.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6480965 | ||
| XXXX | XXXX | 4000104461 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-11-27 10:43 | 2025-11-27 10:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/27/2025 |
Waived-Required Affiliated Business Disclosure Missing
----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/27/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 15.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6413547 | |||
| XXXX | XXXX | 4000104468 | C | A | C | A | A | A | A | A | Closed | FCRE0099 | 2025-12-18 12:47 | 2025-12-23 16:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Received revised appraisal. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. Please see attached - Seller-12/21/2025 Open-Discrepancy between Condo Questionnaire and Appraisal, Condo questionnaire has XXX units and 0 rentals and appraisal indicates XXX units and 15 rented. Provide update and explanation, additional findings may apply. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-12/21/2025 |
Resolved-Received revised appraisal. - Due Diligence Vendor-12/23/2025 |
LTV is less than guideline maximum - Maximum LTV Required is 80
Borrower has 71.13 Required is 80 Borrower has 71.13 Qualifying DTI below maximum allowed - DTI maximum Required is 49.99 Borrower has 42.47 Required is 49.99 Borrower has 42.5 Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 752 Required is 660 Borrower has 752 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6687567 | |
| XXXX | XXXX | 4000105090 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000104475 | C | B | C | A | B | B | A | A | Closed | FCRE1456 | 2025-12-05 14:13 | 2025-12-30 18:15 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Received Additional Assets. - Due Diligence
Vendor-12/30/2025 Ready for Review-Document Uploaded. please see attached - Seller-12/29/2025 Open-Asset 2 Less Than 2 Months Verified B2/B3 Stock/Bond assets only 1 mo documented in file. Per guides pg24; min 2mos required for investment balances (stocks, bonds, mutual funds, savings bonds, etc.). Need additional month statements. - Due Diligence Vendor-12/08/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-12/29/2025 |
Resolved-Received Additional Assets. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 39.65%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 39.65 LTV is less than guideline maximum - Borr LTV 55.87%. Per guides, maximum LTV 80%. Required is 80 Borrower has 55.87 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 742. Per guide, a minimum score required 660. Required is 660 Borrower has 742 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6508606 | |
| XXXX | XXXX | 4000104475 | C | B | C | A | B | B | A | A | Closed | FCRE1457 | 2025-12-05 14:13 | 2025-12-30 18:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received Additional Assets. - Due Diligence
Vendor-12/30/2025 Ready for Review-Document Uploaded. please see attached - Seller-12/29/2025 Open-Asset 3 Less Than 2 Months Verified B2/B3 Stock/Bond assets only 1 mo documented in file. Per guides pg24; min 2mos required for investment balances (stocks, bonds, mutual funds, savings bonds, etc.). Need additional month statements. - Due Diligence Vendor-12/08/2025 |
Ready for Review-Document Uploaded. please see attached -
Seller-12/29/2025 |
Resolved-Received Additional Assets. - Due Diligence
Vendor-12/30/2025 |
Qualifying DTI below maximum allowed - Borr DTI 39.65%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 39.65 LTV is less than guideline maximum - Borr LTV 55.87%. Per guides, maximum LTV 80%. Required is 80 Borrower has 55.87 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 742. Per guide, a minimum score required 660. Required is 660 Borrower has 742 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6508607 | |
| XXXX | XXXX | 4000104475 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2025-12-04 16:04 | 2025-12-04 16:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-12/04/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material findings. - Due Diligence
Vendor-12/04/2025 |
Qualifying DTI below maximum allowed - Borr DTI 39.65%. Per
guides, maximum DTI 49.99%. Required is 49.99 Borrower has 39.65 LTV is less than guideline maximum - Borr LTV 55.87%. Per guides, maximum LTV 80%. Required is 80 Borrower has 55.87 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 742. Per guide, a minimum score required 660. Required is 660 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6492597 | |||
| XXXX | XXXX | 4000105079 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-12-22 10:17 | 2025-12-22 11:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/22/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-12/22/2025 |
Qualifying DTI below maximum allowed - Required is 49.99
Borrower has 38.07 Required is 49.99 Borrower has 38.07 LTV is less than guideline maximum - Required is 80 Borrower has 61.9 Required is 80 Borrower has 61.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 Required is 660 Borrower has 708 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6733579 | |||
| XXXX | XXXX | 4000105076 | C | B | C | A | C | B | A | A | Closed | FCRE0137 | 2025-12-08 11:23 | 2025-12-10 18:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Subject property is listed for sale | Resolved-Received proof property not listed for sale. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. XXXX shows it's not for sale. - Seller-12/09/2025 Open-UW to confirm there is no evidence the home is listed for sale. -Verified - Due Diligence Vendor-12/08/2025 |
Ready for Review-Document Uploaded. XXXX shows it's not for
sale. - Seller-12/09/2025 |
Resolved-Received proof property not listed for sale. - Due Diligence Vendor-12/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 767. Per guide, a minimum score required
660. Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 24.77 LTV is less than guideline maximum - Borr LTV 39.06%. Per guides, maximum LTV 80%. Required is 80 Borrower has 39.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6529538 | |
| XXXX | XXXX | 4000105076 | C | B | C | A | C | B | A | A | Closed | FCOM9998 | 2025-12-04 12:22 | 2025-12-10 07:48 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved------Client attestation that fee is broker
compensation. Finding resolved. - Due
Diligence Vendor-12/10/2025 Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-12/09/2025 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/04/2025 |
Ready for Review-It's a lender paid broker compensation fee.
Please waive this condition. - Seller-12/09/2025 |
Resolved------Client attestation that fee is broker
compensation. Finding resolved. - Due
Diligence Vendor-12/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 767. Per guide, a minimum score required
660. Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 24.77 LTV is less than guideline maximum - Borr LTV 39.06%. Per guides, maximum LTV 80%. Required is 80 Borrower has 39.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6487083 | ||
| XXXX | XXXX | 4000105076 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2025-12-03 15:57 | 2025-12-03 15:57 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-12/03/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings - Due Diligence
Vendor-12/03/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 767. Per guide, a minimum score required
660. Required is 660 Borrower has 767 Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 24.77 LTV is less than guideline maximum - Borr LTV 39.06%. Per guides, maximum LTV 80%. Required is 80 Borrower has 39.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6473095 | |||
| XXXX | XXXX | 4000105394 | D | A | D | A | A | A | A | A | Closed | FCRE1162 | 2025-12-09 13:34 | 2025-12-15 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Flood Certificate - Due Diligence
Vendor-12/15/2025 Ready for Review-Document Uploaded. Please find the attached. - Seller-12/12/2025 Open-Flood Certificate is Partially Provided Document provided is not legible - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. Please find the
attached. - Seller-12/12/2025 |
Resolved-Received Flood Certificate - Due Diligence
Vendor-12/15/2025 |
Months Reserves exceed minimum required - Qualifying Total
Reserves 52 months is higher than 4 months required Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6553117 | |
| XXXX | XXXX | 4000102933 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000105072 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-12-22 09:57 | 2025-12-22 10:27 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/22/2025 | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence
Vendor-12/22/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Borr qualifying FICO score 744. Per guide, a minimum score required
680. Required is 680 Borrower has 744 Months Reserves exceed minimum required - 17.44mos reserves. Per guides, 4 reserves required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6733253 | |||
| XXXX | XXXX | 4000105075 | C | A | A | A | C | A | A | A | Closed | finding-3617 | 2025-12-08 15:02 | 2025-12-15 07:17 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD XXXX, disbursement dte XXXX. Finding resolved. - Due Diligence
Vendor-12/15/2025 Ready for Review-Document Uploaded. - Seller-12/12/2025 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is hand signed XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-12/08/2025 |
Ready for Review-Document Uploaded. - Seller-12/12/2025 |
Resolved------Received PCCD XXXX, disbursement dte XXXX. Finding resolved. - Due Diligence
Vendor-12/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower
has 777 LTV is less than guideline maximum - Required is 80 Borrower has 69.49 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.61 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6534871 | |
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCRE1510 | 2025-12-15 14:01 | 2026-01-06 16:53 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT with Legal. - Due Diligence
Vendor-01/06/2026 Ready for Review-Document Uploaded. Please See the Complete DOT - Seller-01/02/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description is missing. - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. Please See the Complete DOT
- Seller-01/02/2026 |
Resolved-Received Recorded DOT with Legal. - Due Diligence
Vendor-01/06/2026 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6629496 | |
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCRE1178 | 2025-12-18 19:53 | 2025-12-31 14:25 | Resolved | 1 - Information | C | A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Received secondary hoi and invoice. - Due Diligence Vendor-12/31/2025 Ready for Review-Document Uploaded. Hello Please see Other HOI. - Seller-12/29/2025 Counter-Received primary HOI. Missing secondary insurance premium of XXXX reflecting effective date on XXXX or before. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please See correct HOI - Seller-12/24/2025 Counter-Received RCE. Finding remains. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. Please See HOI DATED XXXX - Seller-12/20/2025 Open-Other Property Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Subject property hazard insurance coverage effective XXXX after Note date of XXXX. UTD Insurance was in effect at funding time, no post close CD and/or HUD in file. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Hello Please see Other HOI.
- Seller-12/29/2025 Ready for Review-Document Uploaded. Please See correct HOI - Seller-12/24/2025 Ready for Review-Document Uploaded. Please See HOI DATED XXXX - Seller-12/20/2025 |
Resolved-Received secondary hoi and invoice. - Due Diligence Vendor-12/31/2025 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6695700 | |
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCRE1159 | 2025-12-18 19:53 | 2025-12-29 16:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI reflecting effective date same as Note
date. - Due Diligence
Vendor-12/29/2025 Ready for Review-Document Uploaded. Please SEE HOI - Seller-12/24/2025 Counter-Received RCE. Finding remains. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. Please See Correct HOI - Seller-12/20/2025 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Subject property hazard insurance coverage effective XXXX after Note date of XXXX. UTD Insurance was in effect at funding time, no post close CD and/or HUD in file. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Please SEE HOI -
Seller-12/24/2025 Ready for Review-Document Uploaded. Please See Correct HOI - Seller-12/20/2025 |
Resolved-Received HOI reflecting effective date same as Note
date. - Due Diligence
Vendor-12/29/2025 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6695699 | |
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCRE1162 | 2025-12-18 19:53 | 2025-12-23 16:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received flood cert.
- Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. Flood Cert - Seller-12/20/2025 Open-Flood Certificate is Partially Provided Flood Certificate is partially encrypted. UTD property flood zone location, per certificate property not located in flood hazard zones containing the letters A or V. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Flood Cert -
Seller-12/20/2025 |
Resolved-Received flood cert.
- Due Diligence Vendor-12/23/2025 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6695701 | |
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCOM9998 | 2025-12-15 14:57 | 2025-12-23 07:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received attestion fee is lender paid broker fee. Finding resolved. - Due Diligence
Vendor-12/23/2025 Ready for Review-Hello Team, The Lender Compensation Origination was paid by the Lender, not the Borrower. - Seller-12/20/2025 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/15/2025 |
Ready for Review-Hello Team, The Lender Compensation Origination
was paid by the Lender, not the Borrower.
- Seller-12/20/2025 |
Resolved-Received attestion fee is lender paid broker fee. Finding resolved. - Due Diligence
Vendor-12/23/2025 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6630906 | ||
| XXXX | XXXX | 4000105397 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2025-12-15 14:18 | 2025-12-15 14:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings. - Due Diligence
Vendor-12/15/2025 |
LTV is less than guideline maximum - Borr LTV 71.67%. Per
guides, maximum LTV 80%. Required is 80 Borrower has 71.67 Qualifying DTI below maximum allowed - Borr DTI 32.94%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 32.94 Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 733. Per guide, a minimum score required 660. Required is 660 Borrower has 733 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6630033 | |||
| XXXX | XXXX | 4000105393 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000105408 | B | B | B | A | B | B | A | A | Closed | FCRE1182 | 2025-12-17 15:44 | 2025-12-19 15:38 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. - Seller-12/18/2025 Open-Missing Approval/Underwriting Summary -Missing Approval/Underwriting Summary - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. - Seller-12/18/2025 |
Resolved-Received 1008 - Due Diligence Vendor-12/19/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 728 Required is 660 Borrower has
728 Months Reserves exceed minimum required - Qualifying Total Reserves 7 months are higher than 4 months required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6669487 | |
| XXXX | XXXX | 4000105408 | B | B | B | A | B | B | A | A | Closed | FCOM1267 | 2025-12-10 12:39 | 2025-12-10 12:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Originator waiver applied to non-material finding. - Due Diligence Vendor-12/10/2025 | Waived-Homeownership Counseling Disclosure Is Partially Provided
(Date Creditor Received Application is XXXX and Occupancy is Primary
Residence) -----Originator waiver applied to non-material finding. - Due
Diligence Vendor-12/10/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 728 Required is 660 Borrower has
728 Months Reserves exceed minimum required - Qualifying Total Reserves 7 months are higher than 4 months required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6570079 | |||
| XXXX | XXXX | 4000094027 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000105694 | C | B | A | A | C | B | A | A | Closed | finding-3540 | 2025-12-15 15:12 | 2025-12-23 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, finding resolved. - Due Diligence
Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-12/15/2025 |
Ready for Review-Document Uploaded. - Seller-12/22/2025 |
Resolved-Upon further review, finding resolved. - Due Diligence
Vendor-12/23/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Months Reserves exceed minimum required - 6 months, 4 months required. |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6631236 | |
| XXXX | XXXX | 4000105694 | C | B | A | A | C | B | A | A | Closed | FCOM1124 | 2025-12-15 14:38 | 2025-12-15 21:07 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the
transaction date of XXXX -----Originator waiver applied to non-material
Findings. - Due Diligence Vendor-12/15/2025 |
Waived-Borrower 1 Final Signature Date is greater than the
transaction date of XXXX -----Originator waiver applied to non-material
Findings. - Due Diligence Vendor-12/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has 737 Months Reserves exceed minimum required - 6 months, 4 months required. |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6630482 | |||
| XXXX | XXXX | 4000105690 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000106033 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2025-12-18 13:14 | 2025-12-22 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of business phone number. - Due
Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. - Seller-12/19/2025 Open-Borrower 1 CPA Letter Missing The loan file does not contain a business phone number verification via XXXX Search, XXXX or internet as required nor does the CPA letter verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. Please provide updated CPA letter or verification of the business phone number. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-12/19/2025 |
Resolved-Received validation of business phone number. - Due
Diligence Vendor-12/22/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 810 Months Reserves exceed minimum required - Qualifying Total Reserves of 7.51 months are higher than 4 months required |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6688188 | |
| XXXX | XXXX | 4000106033 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2025-12-15 12:25 | 2025-12-15 12:51 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 |
Waived-Required Affiliated Business Disclosure Missing
Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/15/2025 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 680 Borrower has 810 Months Reserves exceed minimum required - Qualifying Total Reserves of 7.51 months are higher than 4 months required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6626938 | |||
| XXXX | XXXX | 4000106029 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2025-12-16 20:52 | 2025-12-16 21:16 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-12/17/2025 | Waived-Required Affiliated Business Disclosure Missing
-----Originator waiver applied to non-material Findings - Due Diligence
Vendor-12/17/2025 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 LTV is less than guideline maximum - Required is 80 Borrower has 54.94 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6653056 | |||
| XXXX | XXXX | 4000102876 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 4000106043 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000106040 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 4000106061 | C | A | C | A | A | A | A | A | Closed | FCRE1457 | 2025-12-22 18:11 | 2026-01-02 15:57 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received 2nd month of asset statement. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. - Seller-01/01/2026 Counter-Investment accounts required 2 months verification. Finding remains. - Due Diligence Vendor-12/29/2025 Ready for Review-please note that this is a Non-QM loan. Only one 1 month of asset verification is required. The file currently contains the 1-month statement. Could you please review and waive these conditions? - Seller-12/23/2025 Open-Asset 3 Less Than 2 Months Verified Guides require investment balances be verified via a VOD or statements covering a minimum of 2 months. Asset in file is documented with only 1 month statement. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-01/01/2026 Ready for Review-please note that this is a Non-QM loan. Only one 1 month of asset verification is required. The file currently contains the 1-month statement. Could you please review and waive these conditions? - Seller-12/23/2025 |
Resolved-Received 2nd month of asset statement. - Due Diligence Vendor-01/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
787 LTV is less than guideline maximum - Required is 75 Borrower has 68.92 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 6.31 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6747803 | |
| XXXX | XXXX | 4000106061 | C | A | C | A | A | A | A | A | Closed | FCRE1456 | 2025-12-22 18:11 | 2026-01-02 15:57 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Received 2nd month of asset statement. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. - Seller-12/31/2025 Counter-Investment accounts required 2 months verification. Finding remains. - Due Diligence Vendor-12/29/2025 Ready for Review-Please note that this is a Non-QM loan. Only one 1 month of asset verification is required. The file currently contains the 1-month statement. Could you please review and waive these conditions? - Seller-12/23/2025 Open-Asset 2 Less Than 2 Months Verified Guides require investment balances be verified via a VOD or statements covering a minimum of 2 months. Asset in file is documented with only 1 month statement. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-12/31/2025 Ready for Review-Please note that this is a Non-QM loan. Only one 1 month of asset verification is required. The file currently contains the 1-month statement. Could you please review and waive these conditions? - Seller-12/23/2025 |
Resolved-Received 2nd month of asset statement. - Due Diligence Vendor-01/02/2026 |
Qualifying FICO score is at least 20 points above minimum for
program - Required is 660 Borrower has
787 LTV is less than guideline maximum - Required is 75 Borrower has 68.92 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 6.31 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6747801 | |
| XXXX | XXXX | 4000103527 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 4000102021 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |