J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.33
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 304643641 | Closed | 2025-03-10 22:52 | 2025-03-21 10:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final HUD-1 Document is Missing. Provide the updated Final Hud-1 document with appraisal fee. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX | TX | Investment | Refinance | Cash Out - Other | 3577163 | N/A | N/A | |||
| XXXX | XXXX | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage is Less than Loan amount - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Investment | Refinance | Cash Out - Other | 3577848 | N/A | N/A | ||||
| XXXX | XXXX | 304724749 | Closed | 2025-06-30 03:18 | 2025-07-25 05:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final CD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX Counter-CD provided is missing page X and the signature page - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached final cd - Buyer-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Closing Disclosure Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX |
Resolved-Executed Final CD provided - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NV | Investment | Purchase | NA | 4598600 | N/A | N/A | |||
| XXXX | XXXX | 304724749 | Closed | 2025-06-29 23:20 | 2025-07-18 06:06 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Not Executed Deed Of Trust is not signed - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NV | Investment | Purchase | NA | 4598048 | N/A | N/A | |||
| XXXX | XXXX | 304724749 | Closed | 2025-06-29 23:21 | 2025-07-18 06:05 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX Open-The Note is Not Executed Note provided in file is not signed - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX |
Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NV | Investment | Purchase | NA | 4598054 | N/A | N/A | |||
| XXXX | XXXX | 304724749 | Closed | 2025-06-29 23:03 | 2025-07-17 22:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose & Occupancy Affidavit Signed at Closing is Missing in File Needed for All DSCR Transactions. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX |
Resolved-Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NV | Investment | Purchase | NA | 4598012 | N/A | N/A | |||
| XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:36 | 2025-10-30 08:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173353 | N/A | N/A | ||||
| XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:31 | 2025-10-29 01:01 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5175240 | N/A | N/A | |||
| XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:11 | 2025-09-03 14:38 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-XX/XX/XXXX Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173201 | Investor Post-Close | No | ||||
| XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:05 | 2025-08-21 02:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Second Appraisal/Valuation is missing and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5174877 | N/A | N/A | ||||
| XXXX | XXXX | 305047437 | Closed | 2025-10-28 08:27 | 2025-10-29 15:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative signed and dated by borrower. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-Received Business Narrative signed and dated by borrower. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6035538 | N/A | N/A | |||
| XXXX | XXXX | 304898727 | Closed | 2025-11-06 03:16 | 2025-11-10 02:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Provided Lease Agreement for Subject property. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/X/XX - WJ - Uploaded another copy of the lease - Seller-XX/XX/XXXX Open-Provide lease agreement for the subject property at XXX XXXXXXXXXXXX XXXXXX as the one in file cannot be accessed or opened. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/X/XX - WJ - Uploaded another copy of the lease - Seller-XX/XX/XXXX |
Resolved-Provided Lease Agreement for Subject property. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6149879 | N/A | N/A | |||
| XXXX | XXXX | 304848170 | Closed | 2025-11-07 05:13 | 2025-11-18 03:08 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN doc uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN verification uploaded for review. - Buyer-XX/XX/XXXX Open-Borrower signed as LLC as per GL required EIN number. provide Business Entity EIN. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-EIN doc uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 6167872 | N/A | N/A | ||||
| XXXX | XXXX | 304898794 | Closed | 2025-11-12 02:22 | 2025-11-17 01:57 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Uploaded REO Schedule with property profiles in file to support experience, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded REO Addendum that corresponds with property profiles in file to support experience. - Seller-XX/XX/XXXX Open-Credit Memo reflecting experience as 3 and Property report also available in file. Loan application is not listing properties owned by borrower to count as experience. Provide updated application document with properties listed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded REO Addendum that corresponds with property profiles in file to support experience. - Seller-XX/XX/XXXX |
Resolved-Uploaded REO Schedule with property profiles in file to support experience, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Investment | Refinance | Cash Out - Other | 6219165 | N/A | N/A | |||
| XXXX | XXXX | 304898636 | Closed | 2025-11-14 07:57 | 2025-11-20 09:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Waived- as per guidelines, reserves for X months are required. Borrower is short $XXX.XX for reserves. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo reflecting approved exception for reserve shortage - XXXXXX-XX/XX/XXXX Counter-The balance of $XXX,XXX.XX was used when the loan was audited. The borrower needed $XXX,XXX.XX for closing and $XX,XXX.XX for reserves for total assets to be verified of $XXX,XXX.XX which leaves the borrower short reserves in the amount of $XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded transaction history for X XX X #XXXX from XX/XX/XX with a balance of $XXX,XXX.XX - XXXXXX-XX/XX/XXXX Open-As per guideline X.X.X, if DSCR is <X then X months reserves are required if the property is vacant. The subject transaction is short reserves in the amount of $XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo reflecting approved exception for reserve shortage - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded transaction history for X XX X #XXXX from XX/XX/XX with a balance of $XXX,XXX.XX - XXXXXX-XX/XX/XXXX |
Waived-Waived- as per guidelines, reserves for X months are required. Borrower is short $XXX.XX for reserves. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | FICO score is 750 Experienced borrower Low LTV at 56.39% |
TX | Investment | Purchase | NA | 6252361 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 304898824 | Closed | 2025-11-11 05:53 | 2025-12-08 07:45 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Application Not Signed by All Borrowers | Resolved-Client has provided the initial application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Signed Loan Application uploaded. - XXXXXX-XX/XX/XXXX Counter-This is not the signed "Universal Loan Application — Initial" that needs to be signed in the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - XXXXXX-XX/XX/XXXX Open-As required, please provide the complete fully executed application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed Loan Application uploaded. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - XXXXXX-XX/XX/XXXX |
Resolved-Client has provided the initial application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6205556 | N/A | N/A | |||
| XXXX | XXXX | 304898824 | Closed | 2025-11-11 05:52 | 2025-11-20 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Client has provided a cash out letter. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - XXXXXX-XX/XX/XXXX Open-As per guideline X.X, a letter of explanation is required for cash out transactions to confirm funds will be used for business purposes. The loan application in the file is not complete and can't be used as the LOX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - XXXXXX-XX/XX/XXXX |
Resolved-Client has provided a cash out letter. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6205542 | N/A | N/A | |||
| XXXX | XXXX | 304898824 | Closed | 2025-11-11 06:14 | 2025-11-19 06:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Reserves are short the required the X months reserves by $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - XXXXXX-XX/XX/XXXX Open-Per Section X.X.X of guideline, cash out proceeds may not be used to satisfy reserve requirements when FICO <XXX regardless of LTV. The borrower's credit score of XXX requires X months reserves and is short $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - XXXXXX-XX/XX/XXXX |
Waived-Reserves are short the required the X months reserves by $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | borrowers REO experience with 1 property over 12 months LTV is 75% Owns primary residence |
PA | Investment | Refinance | Cash Out - Other | 6205741 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 304898824 | Closed | 2025-11-09 10:25 | 2025-11-19 02:56 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval doc provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - XXXXXX-XX/XX/XXXX Open-A copy of the sizer report and credit memo are missing from file to validate the originator's DSCR, LTV, representative FICO, etc - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - XXXXXX-XX/XX/XXXX |
Resolved-Loan approval doc provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6186587 | N/A | N/A | |||
| XXXX | XXXX | 304898824 | Closed | 2025-11-09 10:26 | 2025-11-14 01:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party fraud report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XXXXXXXXXX report - XXXXXX-XX/XX/XXXX Open-Provide fraud report as it is missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XXXXXXXXXX report - XXXXXX-XX/XX/XXXX |
Resolved-Third Party fraud report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6186589 | N/A | N/A | |||
| XXXX | XXXX | 304898791 | Closed | 2025-11-15 05:02 | 2025-11-21 02:15 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title. Hence resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Satisfactory Chain of Title has been provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title - XXXXXX-XX/XX/XXXX Open-Unsatisfactory Chain of Title provided Chain of Title is Missing - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title - XXXXXX-XX/XX/XXXX |
Resolved-Page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title. Hence resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-Satisfactory Chain of Title has been provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |
XXXX | MI | Investment | Refinance | Cash Out - Other | 6263228 | N/A | N/A | |||
| XXXX | XXXX | 304898721 | Closed | 2025-11-18 19:06 | 2025-11-25 07:37 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Resolved. Client has provided a copy of the requested Property Profiles confirming the borrower's experience. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Guidelines state the following documentation is required to confirm a borrower's experience designation: Third-party property profiles to verify properties are/were vested in borrower’s/sponsor’s name for a minimum of X- of the properties listed on the Schedule of Real Estate. The following properties are listed in the borrower's experience without the accompanied Property Profile report: XXXX XXXXXXXX XX XXX XXXXXXXXX XX XXX XXXXXXXXXXX XX XXXX XXXXX XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Resolved. Client has provided a copy of the requested Property Profiles confirming the borrower's experience. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Investment | Refinance | Cash Out - Other | 6298037 | N/A | N/A | |||
| XXXX | XXXX | 304898666 | Closed | 2025-11-19 12:51 | 2025-12-02 08:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Resolved - updated insurance with RCE provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of XXXXXX is equal to or greater than Required Coverage Amount of XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of XXXXXX is less than Required Coverage Amount of XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide insurance coverage to meet the lesser of the loan amount or replacement value per the XX section XX.X.X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Resolved - updated insurance with RCE provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of XXXXXX is equal to or greater than Required Coverage Amount of XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OR | Investment | Refinance | Cash Out - Other | 6310274 | N/A | N/A | |||
| XXXX | XXXX | 304898818 | Closed | 2025-11-19 08:53 | 2025-11-25 07:06 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Property profile for subject has been reviewed and curated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded requested property profile for the subject - XXXXXX-XX/XX/XXXX Open-The Experience Type section of guidelines states the following documentation is required to confirm eligible experience: Third-party property profiles to verify properties are/were vested in borrower’s/sponsor’s name for a minimum of X- of the properties listed on the Schedule of Real Estate. Subject property is pending the required Property Profile or third party property review - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded requested property profile for the subject - XXXXXX-XX/XX/XXXX |
Resolved-Property profile for subject has been reviewed and curated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | CA | Investment | Refinance | Cash Out - Other | 6304880 | N/A | N/A | |||
| XXXX | XXXX | 305047164 | Closed | 2025-11-25 05:45 | 2025-12-04 04:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Bank Statement Summary Lender Worksheet / Income sheet which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Investment | Purchase | NA | 6379268 | N/A | N/A | ||||
| XXXX | XXXX | 305047164 | Closed | 2025-11-25 06:08 | 2025-12-04 03:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Investment | Purchase | NA | 6379510 | N/A | N/A | ||||
| XXXX | XXXX | 304865118 | Closed | 2025-12-05 01:31 | 2026-01-21 11:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Lender provided most recent tax bill where the monthly amount matches FPL and Final CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached tax bill showing the total balance for XXXX–XXXX in the amount of $X,XXX.XX. Dividing this amount by XX results in a monthly payment of $XXX.XX, which is within the allowable range. A new title is not needed, as the underwriter used the higher of the two amounts to approve the borrower, which is permissible. Based on this information, please clear this finding. Thank you. - XXXXX-XX/XX/XXXX Counter-Document Uploaded. Title in file shows annual tax amount of XXXX.XX with a monthly amount of XXX.XX, per Final CD and FPL monthly tax amount of XXX.XX. Tax cert in file missing, please provide updated title. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please find the updated XXXX & XXXX to clear this finding, - XXXXX-XX/XX/XXXX Open-Tax are not matching with Final CD which is given on Title. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Lender provided most recent tax bill where the monthly amount matches FPL and Final CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IN | Investment | Purchase | NA | 6498034 | N/A | N/A | ||||
| XXXX | XXXX | 305026113 | Closed | 2025-12-22 03:49 | 2026-01-02 07:57 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Non-QM Loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-CT XX/XX: Please see the attached // - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Non QM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) Non-QM loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Non-QM Loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Non QM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) Non-QM loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 6729813 | N/A | N/A | ||||
| XXXX | XXXX | 305033645 | Closed | 2025-12-23 03:47 | 2026-02-10 06:39 | Resolved | 1 - Information | A | A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Rescinded-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXXX.X(X)(X). Non QM loan - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Rescinded-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXXX.X(X)(X). Non QM loan - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | FL | Second Home | Purchase | NA | 6756014 | N/A | N/A | ||||
| XXXX | XXXX | 305033645 | Closed | 2025-12-23 02:48 | 2026-02-10 06:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Updated info does not list other supplemental insurance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please note the First payment letter signed at closing did not have other amounts. Please see first payment letter, updated URLA and XXXX. - XXXXX-XX/XX/XXXX Counter-All documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Provide the documentation to support the $XXX month supplemental insurance used in the transaction. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Flood insurance is not escrowed as this is a condo and the master flood policy is paid by the HOA. The borrower has a HXX inner four walls policy of which is escrowed. - XXXXX-XX/XX/XXXX Open-Flood Insurance Policy Partially Provided The Final CD does not show flood insurance escrowed. All other documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Clarification and documentation to support is required. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Flood Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Updated info does not list other supplemental insurance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | FL | Second Home | Purchase | NA | 6755685 | N/A | N/A | ||||
| XXXX | XXXX | 304909518 | Closed | 2025-12-26 05:04 | 2026-02-09 04:04 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. CDA was uploaded previously, please rescind this finding - XXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per matrix, CDA is required for all property types in addition to the appraisal. Appraisal present in file however CDA is missing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Secondary valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | Cash Out - Other | 6808077 | N/A | N/A | ||||
| XXXX | XXXX | 304909518 | Closed | 2025-12-29 06:10 | 2026-02-07 14:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Lender provided approved exception in file, p. XXXX, for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr’s personal credit does not reflect BK due to chap XX business filing. Finding waived. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-We acknowledge this approved exception. Please note we should not be conditioned to acknowledge already approved exceptions that were provided in the loan file. Please rescind this finding, thank you! - XXXXX-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Exception Provided in page#XXXX. Exception approved for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr’s personal credit does not reflect BK due to chap XX business filing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Waived-Lender provided approved exception in file, p. XXXX, for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr’s personal credit does not reflect BK due to chap XX business filing. Finding waived. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | 65% LTV is below the maximum 75% LTV by 10%. $530,837 reserves exceed the minimum required of $13,743 exceeds the minimum by 39 months over the required minimum. DSCR ratio of 1.528 exceeds the minimum requirement of 1 by 0.528 points. |
MA | Investment | Refinance | Cash Out - Other | 6828836 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 304909519 | Closed | 2025-12-29 06:31 | 2026-01-29 10:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXXXXX XXXXXXXX agrees with the exception - XXXXX-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Exception Provided in Page#XXX. Exception approved for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr’s personal credit does not reflect BK due to chap XX business filing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | 65% LTV is below the maximum 75% LTV by 10%. $333,398 reserves exceed the minimum required of $15,369 exceeds the minimum by 22 months over the required minimum. DSCR ratio of 1.698 exceeds the minimum requirement of 1 by 0.698 points. |
MA | Investment | Refinance | Cash Out - Other | 6829054 | Originator Post-Close | Yes | |||
| XXXX | XXXX | 305027152 | Closed | 2025-12-28 20:39 | 2026-02-02 00:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Title Policy - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount of $XXX,XXX. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825533 | N/A | N/A | ||||
| XXXX | XXXX | 305027152 | Closed | 2025-12-28 23:00 | 2026-01-30 08:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-The discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/XX: The initial LE cited was floating so the discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Counter-The lender credit increases of $XX.XX was applied to the total fee variance of $XXX.XX between the baseline disclosure and the last Closing Disclosure. Since the lender credits is less than the total fee variance amount, it is not sufficient to cure the variance. Please provide a COC to cure the tolerance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/X: Please clarify the fee being cited - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Please provide a COC to cure the tolerance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-The discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825930 | N/A | N/A | ||||
| XXXX | XXXX | 305035454 | Closed | 2025-12-29 09:25 | 2026-01-15 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-all documents provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit missing from loan file and Final Business Purpose Affidavit is not dated by the notary - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-all documents provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | OK | Investment | Purchase | NA | 6834709 | N/A | N/A | |||
| XXXX | XXXX | 305035454 | Closed | 2025-12-29 04:04 | 2026-01-13 08:21 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-corrected XXXX attached - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO from the Credit Liabilities Page is 'XXX' as per the matrix qualifying FICO method whereas Qualifying FICO on the XXXX Page is 'XXX'. Provide updated XXXX document. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-corrected XXXX attached - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | OK | Investment | Purchase | NA | 6827281 | N/A | N/A | ||||
| XXXX | XXXX | 305035454 | Closed | 2025-12-29 04:01 | 2026-01-12 21:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report, Missing in File - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | OK | Investment | Purchase | NA | 6827263 | N/A | N/A | ||||
| XXXX | XXXX | 305035454 | Closed | 2025-12-29 04:01 | 2026-01-12 21:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report, Missing in File - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | OK | Investment | Purchase | NA | 6827262 | N/A | N/A | ||||
| XXXX | XXXX | 305048460 | Closed | 2025-12-30 04:54 | 2026-01-07 03:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | PA | Investment | Refinance | Cash Out - Other | 6848602 | N/A | N/A | ||||
| XXXX | XXXX | 305047162 | Closed | 2025-12-30 23:59 | 2026-01-08 03:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender worksheet is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 6865949 | N/A | N/A | ||||
| XXXX | XXXX | 305047162 | Closed | 2025-12-31 01:37 | 2025-12-31 02:16 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 6866439 | N/A | N/A | ||||
| XXXX | XXXX | 305047162 | Closed | 2025-12-31 01:37 | 2025-12-31 02:16 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Primary Residence | Refinance | Cash Out - Other | 6866438 | N/A | N/A | ||||
| XXXX | XXXX | 305026115 | Closed | 2025-12-31 03:10 | 2026-02-03 06:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX X/XX disagree - please see the attached Final Settlement Statement which shows the borrower was not charged for the appraisal X fee. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6866994 | N/A | N/A | ||||
| XXXX | XXXX | 305028671 | Closed | 2026-01-05 18:50 | 2026-01-12 09:25 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Uploaded amended Final XXXX shows as Married. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final XXXX shows Unmarried, however Page XXX Preliminary Title Report and Page XXX Deed of Trust show Vesting as XXXXXXXXXX X. XXXXX, a married woman as her sole and separate property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded amended Final XXXX shows as Married. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 6925807 | N/A | N/A | |||
| XXXX | XXXX | 305028671 | Closed | 2026-01-04 23:31 | 2026-01-12 02:56 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient Income Documentation | Resolved-Business Reference Letter uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-At least one business reference letter is required to validate XXXX continuous employment from borrower XXXX employments which are XXXXXXX XXX., X C's of XXXXXXX XXXXXX and XXXXXX, as per XX/XX/XXXX G/L. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Reference Letter uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 6909091 | N/A | N/A | |||
| XXXX | XXXX | 305028186 | Closed | 2026-01-02 05:29 | 2026-02-17 01:37 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see attached doc XX X.XX - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6890261 | N/A | N/A | ||||
| XXXX | XXXX | 305028186 | Closed | 2026-01-02 05:52 | 2026-01-12 07:40 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Utilized Lower Middle. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X XX: Borrower X's credit scores: XXX, XXX, and XXX (middle score is XXX) Borrower X's credit scores: XXX, XXX, and XXX (middle score is XXX) The lower middle score XXX will be used as the representative credit score for the mortgage - Due Diligence Vendor-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per XXXX, the FICO score is XXX. However, the qualifying FICO score 'Primary Wage Earner Mid Score’ and the credit report is XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Utilized Lower Middle. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6890416 | N/A | N/A | ||||
| XXXX | XXXX | 304911778 | Closed | 2026-01-07 03:45 | 2026-01-30 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See the attached XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document is missing in the file. Provide XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6953590 | N/A | N/A | ||||
| XXXX | XXXX | 305035455 | Closed | 2026-01-07 23:02 | 2026-01-27 03:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA is Fannie approved - Buyer-XX/XX/XXXX Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HOA Questionnaire is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 6975190 | N/A | N/A | ||||
| XXXX | XXXX | 305040457 | Closed | 2026-01-09 07:04 | 2026-01-14 05:21 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved-Resolved Document updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Provide Right to Cancel with signed and executed. The transaction is No-cash out refinance and primary occupancy. Right to Cancel is provided but not executed. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved Document updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7002906 | N/A | N/A | ||||
| XXXX | XXXX | 305040457 | Closed | 2026-01-08 22:42 | 2026-01-14 05:20 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Unable to Resolve-Resolved. Document updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide the signed and dated Intent to proceed. Missing Intent to Proceed in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Unable to Resolve-Resolved. Document updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6999211 | N/A | N/A | ||||
| XXXX | XXXX | 305040457 | Closed | 2026-01-07 01:11 | 2026-01-14 03:32 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is within XX Business days prior to closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Please provide a gap credit report for borrower within XX days from closing date. Borrower X Gap credit report is dated on XX/XX/XXXX which is not within XX days from closing date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is within XX Business days prior to closing - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6952007 | N/A | N/A | |||
| XXXX | XXXX | 305040457 | Closed | 2026-01-08 04:44 | 2026-01-14 02:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Providers list provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Provide the signed and dated Settlement Service Providers list. File is missing with Service Provider List. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Service Providers list provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6977319 | N/A | N/A | ||||
| XXXX | XXXX | 305048434 | Closed | 2026-01-13 11:51 | 2026-01-20 07:57 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD with max PPP updated to $XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Note calculation for the Max. Prepayment Penalty reflects $XXXX; however Final CD reflects Max. Prepayment Penalty iao $XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD with max PPP updated to $XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Investment | Refinance | Cash Out - Other | 7070894 | N/A | N/A | ||||
| XXXX | XXXX | 305048434 | Closed | 2026-01-08 02:31 | 2026-01-15 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved- Initial Business Purpose Affidavit Disclosure received - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Initial Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- Initial Business Purpose Affidavit Disclosure received - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Investment | Refinance | Cash Out - Other | 6976446 | N/A | N/A | ||||
| XXXX | XXXX | 305029651 | Closed | 2026-01-09 20:11 | 2026-01-28 16:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please see attached doc XX X.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount Provide Title commitment to cover the loan amount $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Received updated Title policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Purchase | NA | 7021319 | N/A | N/A | ||||
| XXXX | XXXX | 305029651 | Closed | 2026-01-09 21:05 | 2026-01-16 02:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX: Please see the attached lease agreement and bank statements confirming payments to the borrower's landlord - XXX XXXX from XX/XXXX-XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide VOR or XX months rent payment checks to verify XX Months Housing History. Final XXXX shows borrower renting current address for X years and X months paying $X,XXX monthly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested XX Months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Purchase | NA | 7021690 | N/A | N/A | ||||
| XXXX | XXXX | 305029651 | Closed | 2026-01-09 22:36 | 2026-01-12 15:23 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Purchase | NA | 7021931 | N/A | N/A | ||||
| XXXX | XXXX | 305027041 | Closed | 2026-01-10 08:15 | 2026-02-05 12:55 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing and the Final Closing disclosure on Pg#’s XXX, Finding and reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s finding. The loan does meet HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX X/XX Please see attached initial escrow account disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-Delivery of appraisal verified. Initial Escrow Account Disclosure Statement missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX X/XX Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on XX/XX and consented to it on XX/XX. This meets the X business day cool off before the closing date of XX/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is missing and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s missing. The loan doesn't meet HPML guidelines. IEADS and proof of Appraisal Delivery to Borrower misisng. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Purchase | NA | 7023350 | N/A | N/A | ||||
| XXXX | XXXX | 305027041 | Closed | 2026-01-10 05:12 | 2026-02-05 12:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX XX: Please see attached XXXX signed by the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-Final XXXX executed by the Borrower missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The Final XXXX is Missing Final XXXX is Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The Final XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Purchase | NA | 7022857 | N/A | N/A | ||||
| XXXX | XXXX | 305027041 | Closed | 2026-01-10 05:31 | 2026-02-05 12:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment provided with sufficient coverage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/X XX- see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Title Commitment provided with sufficient coverage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Purchase | NA | 7022906 | N/A | N/A | ||||
| XXXX | XXXX | 305027041 | Closed | 2026-01-10 09:40 | 2026-01-30 06:09 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS provided in HPML condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Initial Escrow Acct Disclosure missing; loan has escrows. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-IEADS provided in HPML condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Purchase | NA | 7023545 | N/A | N/A | ||||
| XXXX | XXXX | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-This is not a true HOEPA loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-LL X/X Disagree, this loan is not failing HOEPA due to the PAR rate being within X% of the APOR and allowing X% bonafide discount points to be applied to total points and fees. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Counter-This documentation does not clear the condition. XXXXX does not have a specific restriction for late fees on HOEPA loans and would default to the the X% maximum to charge. According to the Note, the late charge for overdue payments was set at X%, which exceeds the federal allowable charge. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-This is not a true HOEPA loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 7105058 | N/A | N/A | ||||
| XXXX | XXXX | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/X: A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 7105060 | N/A | N/A | ||||
| XXXX | XXXX | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-APOR was originally X.XXX prior to being discounted and fees exceeded $X,XXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-APOR was originally X.XXX prior to being discounted and fees exceeded $X,XXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 7105062 | N/A | N/A | ||||
| XXXX | XXXX | 304911744 | Closed | 2026-01-13 07:46 | 2026-01-15 07:57 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD received. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Rescinded- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached // - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required to Run Compliance. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Initial CD received. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | OH | Primary Residence | Refinance | Cash Out - Other | 7060750 | N/A | N/A | ||||
| XXXX | XXXX | 305029257 | Closed | 2026-01-12 04:28 | 2026-01-22 11:24 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledged - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-XXXXXX cannot produce, XX acknowledged. Please downgrade to Non-Material Grade X - XXXXX-XX/XX/XXXX Counter-Per Guidelines, Initial business purpose disclosure is also required. Final business purpose disclosure received. Finding countered. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. initial and final Business Purpose Affidavit is required for a DSCR loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX |
Acknowledged-XX Acknowledged - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | IL | Investment | Refinance | Cash Out - Other | 7031782 | Investor Post-Close | No | |||
| XXXX | XXXX | 305029257 | Closed | 2026-01-12 05:48 | 2026-01-21 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-XXXXXX provided invoice confirming policy premium. Finding resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Policy Premium is not amount due. It is listed as Policy Premium Current Term. - XXXXXX-XX/XX/XXXX Open-Missing Hazard Insurance Policy Hazard insurance binder in file is missing premium. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Policy Premium is not amount due. It is listed as Policy Premium Current Term. - XXXXXX-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-XXXXXX provided invoice confirming policy premium. Finding resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | IL | Investment | Refinance | Cash Out - Other | 7033378 | N/A | N/A | |||
| XXXX | XXXX | 305029257 | Closed | 2026-01-12 05:08 | 2026-01-21 01:31 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested articles of incoreporation docs provided for LLC, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - XXXXX-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Requested articles of incoreporation docs provided for LLC, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
XXXX | IL | Investment | Refinance | Cash Out - Other | 7032762 | N/A | N/A | ||||
| XXXX | XXXX | 305047499 | Closed | 2026-01-13 00:26 | 2026-01-21 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Executed BPA's Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing Business Purpose Affidavit signed on Final/Note date by borrower. Please Provide Business Purpose Affidavit signed on Final/Note date by borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Executed BPA's Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | VA | Investment | Purchase | NA | 7055013 | N/A | N/A | ||||
| XXXX | XXXX | 305047163 | Closed | 2026-01-13 05:59 | 2026-01-21 07:14 | Waived | 2 - Non-Material | C | B | Property | Property | Property or house size is outside of guidelines | Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-acknowledged - Buyer-XX/XX/XXXX Open-Exception on page XXX approved for subject GLA XXX sq ft vs XXX sq ft min. Appraiser has used all similar X/X comps with GLA between XXX-XXX sq ft to document market acceptance. All comps from neighboring condo project's as subject is new construction without any closed sales yet. All units and common areas complete at time of closing. Project is high rise in urban area where X/X apartments are common. Recommend waiving. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX |
XXXX | DSCR is 1.014. Minimum required per guidelines is 1. LTV is 63.21%. Maximum allowed per guidelines is 75%. Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months. |
FL | Investment | Purchase | NA | 7057907 | Investor Post-Close | No | |||
| XXXX | XXXX | 305047163 | Closed | 2026-01-13 04:24 | 2026-01-21 01:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. initial attached - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit signed on initial application date by borrower - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Investment | Purchase | NA | 7056562 | N/A | N/A | ||||
| XXXX | XXXX | 305048474 | Closed | 2026-01-14 00:44 | 2026-01-22 07:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | TX | Primary Residence | Purchase | NA | 7080593 | N/A | N/A | ||||
| XXXX | XXXX | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-28 13:09 | Resolved | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 7134078 | N/A | N/A | |||
| XXXX | XXXX | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-28 13:08 | Resolved | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (XX CFR XXXX.XXe)(X) and comments XX(e)(X)-X and -X; XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 7134077 | N/A | N/A | |||
| XXXX | XXXX | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-21 09:44 | Resolved | 1 - Information | A | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Seller included Saturday as a business day. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-seller includes saturday as a business day. please rescind. - Buyer-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-Seller included Saturday as a business day. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 7134079 | N/A | N/A | ||||
| XXXX | XXXX | 305044773 | Closed | 2026-01-15 08:17 | 2026-01-15 08:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | AZ | Primary Residence | Purchase | NA | 7109471 | N/A | N/A | ||||
| XXXX | XXXX | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:02 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX |
Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | $XXXX residual income, min is $1,500 28% DTI, max is 50% 10 months reserves |
FL | Primary Residence | Purchase | NA | 7129214 | Investor Post-Close | No | ||
| XXXX | XXXX | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:01 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. paystub attached. - Buyer-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX |
Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | $XXXX residual income, min is $1,500 28% DTI, max is 50%. |
FL | Primary Residence | Purchase | NA | 7129213 | Investor Post-Close | No | ||
| XXXX | XXXX | 305038351 | Closed | 2026-01-15 21:35 | 2026-01-27 03:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-BX Id is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Borrower X ID proof is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX |
Resolved-BX Id is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7128989 | N/A | N/A | |||
| XXXX | XXXX | 305038351 | Closed | 2026-01-20 08:43 | 2026-01-21 05:22 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-borrower X's income is higher therefore we have to go off of their credit score for qualifying. please waive this condition - Buyer-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Provide updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7179588 | N/A | N/A | ||||
| XXXX | XXXX | 305032519 | Closed | 2026-01-16 23:08 | 2026-01-22 03:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Requested I-XXX extension I-XXX provided with XX months validity, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Permanent resident card is expired - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested I-XXX extension I-XXX provided with XX months validity, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MA | Investment | Refinance | Cash Out - Other | 7152516 | N/A | N/A | ||||
| XXXX | XXXX | 305054969 | Closed | 2026-01-19 23:28 | 2026-01-23 16:03 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Acknowledged; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Note is signed by LLC and vesting shows LLC however business entity application is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NC | Investment | Refinance | Cash Out - Other | 7173339 | Investor Post-Close | No | ||||
| XXXX | XXXX | 305031493 | Closed | 2026-01-22 02:01 | 2026-02-02 00:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XX - KJ: Please see the attached property tax estimate from title. - Due Diligence Vendor-XX/XX/XXXX Open-Missing Evidence of Property Tax The tax certificate provided shows the annual tax amount as $XX,XXX. Please provide an updated tax cert that matches with the Final CD on page XXX which shows an annual amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NY | Primary Residence | Refinance | Cash Out - Other | 7236447 | N/A | N/A | ||||
| XXXX | XXXX | 305031493 | Closed | 2026-01-22 05:41 | 2026-02-02 00:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - KJ: Please see the revised XXXX reflecting all other payments totaling $XX,XXX, which is commiserate with the credit report dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Please provide an updated XXXX. The XXXX in the file shows "All Other Monthly Payments" IAO $XX,XXX.XX; however, according to the credit report, "All Monthly Payments" are $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NY | Primary Residence | Refinance | Cash Out - Other | 7238157 | N/A | N/A | ||||
| XXXX | XXXX | 305040469 | Closed | 2026-01-26 12:47 | 2026-02-19 06:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial filed XX/XX/XXXX. Please see the attached pdf from the website - Buyer-XX/XX/XXXX Open-Loan does not conform to program guidelines Per guidelines business must be in existence for at least X years, per business search on page XX business filed X/XX/XX less than X years an exception was not provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7301735 | N/A | N/A | |||||
| XXXX | XXXX | 305032491 | Closed | 2026-02-02 03:02 | 2026-02-03 06:49 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | KS | Primary Residence | Purchase | NA | 7392358 | N/A | N/A | ||||
| XXXX | XXXX | 305032491 | Closed | 2026-01-25 23:28 | 2026-02-02 03:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required for Compliance Run. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | KS | Primary Residence | Purchase | NA | 7289284 | N/A | N/A | ||||
| XXXX | XXXX | 305048376 | Closed | 2026-01-26 21:17 | 2026-02-04 00:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial & Final Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Both initial and final is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial & Final Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | DE | Investment | Purchase | NA | 7305887 | N/A | N/A | ||||
| XXXX | XXXX | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7363985 | N/A | N/A | ||||
| XXXX | XXXX | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7363986 | N/A | N/A | ||||
| XXXX | XXXX | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.’s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7363987 | N/A | N/A | ||||
| XXXX | XXXX | 305036855 | Closed | 2026-01-30 02:21 | 2026-02-04 08:47 | Resolved | 1 - Information | B | A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LI X/X Disagree - Our Contract states that as long as all the requirements were met as they were on this loan the loan can be HPML. Please see the attached documents which shows the borrower received the Appraisal on X/X - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-4 unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | Cash Out - Other | 7365888 | N/A | N/A | ||||
| XXXX | XXXX | 305036855 | Closed | 2026-01-30 02:21 | 2026-01-30 14:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NC | Primary Residence | Refinance | Cash Out - Other | 7365887 | N/A | N/A | ||||
| XXXX | XXXX | 305048314 | Closed | 2026-01-27 23:14 | 2026-02-17 03:59 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. title attached - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Title Coverage Amount of $86000 is Less than Loan Amount of $96000 | TX | Investment | Refinance | Cash Out - Other | 7324044 | N/A | N/A | |||
| XXXX | XXXX | 305034672 | Closed | 2026-01-31 01:12 | 2026-02-03 00:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Please provide the executed Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Executed Copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | OR | Primary Residence | Purchase | NA | 7386738 | N/A | N/A | ||||
| XXXX | XXXX | 305036258 | Closed | 2026-01-31 20:43 | 2026-02-05 10:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Documentation received clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/X: Appraisal fee cited from previously denied transaction, see attached. Appraisal fee for the current transaction was paid for by XXXX, and the fee was not reimbursed to them by the borrower per the disbursement of funds. Additionally, the second Appraisal fee was reflected on the baseline document, and the amount for this fee was consistent throughout all disclosures provided to the borrower. Clear this finding as there has been no the borrower harm necessitating a refund, or provide additional information so we can further assist - Due Diligence Vendor-XX/XX/XXXX Counter-There is no itemization in the file, please provide the itemization to show that the appraisal was paid by the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/X Disagree - it was paid by other not the Borrower, a tolerance is not due - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Fee in initial LE is $XXX which increased to $XXX in the revised CD dated XX/XX/XXXX. There is no COC or Itemization. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation received clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7388292 | N/A | N/A | ||||
| XXXX | XXXX | 305029860 | Closed | 2026-01-31 18:05 | 2026-02-09 00:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X MM: Please see attached copy of flood insurance - Due Diligence Vendor-XX/XX/XXXX Open-Missing Flood Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | LA | Primary Residence | Refinance | Cash Out - Other | 7388235 | N/A | N/A | ||||
| XXXX | XXXX | 305029860 | Closed | 2026-01-31 18:48 | 2026-02-03 07:06 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX. Rate lock date was entered correctly see page XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg# XX, XX-XX appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower for the copy of the disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | LA | Primary Residence | Refinance | Cash Out - Other | 7388253 | N/A | N/A | ||||
| XXXX | XXXX | 305029749 | Closed | 2026-02-03 08:16 | 2026-02-05 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X SW- see attached - Due Diligence Vendor-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Institutional Verification of Rent (VOR) completed by a professional management company is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7416489 | N/A | N/A | ||||
| XXXX | XXXX | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7553855 | N/A | N/A | ||||
| XXXX | XXXX | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7553854 | N/A | N/A | ||||
| XXXX | XXXX | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7553853 | N/A | N/A | ||||
| XXXX | XXXX | 304909609 | Closed | 2026-02-02 21:31 | 2026-02-11 17:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X MM: The bank statements were provided for the investor to calculate the income. A income worksheet is not required. - Due Diligence Vendor-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide the income calculation worksheet for BX - R C XXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7409756 | N/A | N/A | |||||
| XXXX | XXXX | 305048530 | Closed | 2026-02-04 12:20 | 2026-02-04 12:39 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception on page XXXX approved to exceed max of XXXXk cash out with LTV of XX% when max per guidelines is XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Waived-Cash Out is not completed according to the guideline requirements Exception on page XXXX approved to exceed max of XXXXk cash out with LTV of XX% when max per guidelines is XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | DTI- 25.31% max per guidelines is 55% Fico- 738 minimum per guidelines is 720 Residual income- $XXXX minimum per guidelines is $2500 |
WA | Investment | Refinance | Cash Out - Other | 7446388 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 305048533 | Closed | 2026-02-04 01:24 | 2026-02-05 18:20 | Waived | 2 - Non-Material | B | B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXXk c/o. Finding waived. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXXk c/o. Finding waived. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | 75% LTV is below the maximum 89.99% LTV by 14.99%. 25.28% DTI is below the maximum 55% DTI by 29.72%. |
WA | Investment | Refinance | Cash Out - Other | 7431028 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 305048532 | Closed | 2026-02-04 00:07 | 2026-02-11 00:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-PUD Rider N/A for investment property loans as the PUD information is in the body of the documents. Please rescind this finding, thank you - XXXXX-XX/XX/XXXX Open-PUD Rider is Missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | WA | Investment | Refinance | Cash Out - Other | 7430701 | N/A | N/A | ||||
| XXXX | XXXX | 305042214 | Closed | 2026-02-11 23:12 | 2026-02-18 04:02 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received updated title commitment insured for $XXX,XXX.XX, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount In provided title document coverage amount is $XXXXXX however our loan amount is $XXXXXX. Provide updated document. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received updated title commitment insured for $XXX,XXX.XX, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 7575484 | N/A | N/A | ||||
| XXXX | XXXX | 305054663 | Closed | 2026-02-04 05:31 | 2026-02-12 05:31 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Requested Final CD provided for Other REO to verify PITIA, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. PITIA $XXXX.XX (taxes/ins not escrowed) – see the CD attached above to show the P/I payment - XXXXX-XX/XX/XXXX Open-Unable to verify PITIA for XXX XXXXXXXXX property. Missing mortgage statement etc. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested Final CD provided for Other REO to verify PITIA, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Investment | Purchase | NA | 7433109 | N/A | N/A | ||||
| XXXX | XXXX | 305033589 | Closed | 2026-02-04 04:28 | 2026-02-06 20:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-CT X/X: Please see the attached Appraisal Delivery // - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7432015 | N/A | N/A | ||||
| XXXX | XXXX | 305036272 | Closed | 2026-02-05 03:56 | 2026-02-11 17:51 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-CT X/XX: Please see attached Rate Lock sheets and corresponding disclosure. On X-XX the DTI changed, affecting the LLPA, negative pricing disclosed on the X-XX CD - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. X.X% of Loan Amount (Points) increased from Initial CD $X,XXX.XX to $X,XXX.XX in Final CD, for which no Change in circumstance is provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Refinance | Cash Out - Other | 7455946 | N/A | N/A | |||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-06 01:22 | 2026-03-02 14:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-LOE received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX response - Due Diligence Vendor-XX/XX/XXXX Open-The Final XXXX is Incomplete Provided an updated XXXX. Page XXX shows section Xa as borrower owning the primary residence. However, the file shows there is no REO's listed and borrower lives in a rental. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-LOE received. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7483065 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-06 01:14 | 2026-03-02 14:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Transfer Taxes increase by $X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CD charges response - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Transfer taxes increased from Initial CD $X to Revised CD $XXXX.XX. Provide COC to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Transfer Taxes increase by $X. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7483036 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 13:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Fraud Report Response from UW - Due Diligence Vendor-XX/XX/XXXX Open-Potential Fraud Reflected on Fraud Report Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7482661 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 13:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Fraud Report Response from UW - Due Diligence Vendor-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7482660 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 23:42 | 2026-03-02 13:55 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved-EMD was not utilized in the calculation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-EMD response from UW - Due Diligence Vendor-XX/XX/XXXX Open-Provide EMD proof of $XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-EMD was not utilized in the calculation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7482642 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 00:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Driver's License uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-DL XXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXX requirements. Provided photo ID page XXX shows borrower face is completely illegible. Provide clear and visible ID proof. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated Driver's License uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7482662 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 21:39 | 2026-03-02 00:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Updated Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-VOE - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment is required for all borrowers using self-employed income to qualify and must be completed within XX calendar days prior to the Note date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7481816 | N/A | N/A | ||||
| XXXX | XXXX | 305013636 | Closed | 2026-02-05 20:34 | 2026-03-02 00:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | IN | Primary Residence | Purchase | NA | 7481536 | N/A | N/A | ||||
| XXXX | XXXX | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-11 17:40 | Resolved | 1 - Information | C | A | Compliance | Mavent | HigherPriced: APR | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) Please provide the undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7483797 | N/A | N/A | |||||
| XXXX | XXXX | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-11 17:39 | Resolved | 1 - Information | C | A | Compliance | Mavent | HigherPriced: APR | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX Open-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) Please provide the undiscounted rate. It was not included in the file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7483798 | N/A | N/A | |||||
| XXXX | XXXX | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-09 08:55 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on pages XXX and XXX. Final Closing disclosure on page XXX. Rate lock doc on pages XXX and XXX-XXX. An interior and exterior appraisal was completed for this property on page XX. A copy of the appraisal was given to the borrower on page XXX. confirmation the appraisal was delivered to the borrower is on page XXX. The loan does meet HPML Guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on pages XXX and XXX. Final Closing disclosure on page XXX. Rate lock doc on pages XXX and XXX-XXX. An interior and exterior appraisal was completed for this property on page XX. A copy of the appraisal was given to the borrower on page XXX. confirmation the appraisal was delivered to the borrower is on page XXX. The loan does meet HPML Guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7483796 | N/A | N/A | ||||
| XXXX | XXXX | 305026128 | Closed | 2026-02-06 02:03 | 2026-02-23 23:38 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX SW- see attached - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7483231 | N/A | N/A | ||||
| XXXX | XXXX | 305026128 | Closed | 2026-02-06 02:45 | 2026-02-20 07:12 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Each borrower must have X eligible credit scores to support sufficient history. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX CW: XXX FICO score is correct as evidenced by the credit report. - Due Diligence Vendor-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Shows FICO Score as XXX, Audited Mid-FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Shows FICO Score as XXX, Audited Mid-FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Each borrower must have X eligible credit scores to support sufficient history. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7483460 | N/A | N/A | ||||
| XXXX | XXXX | 305044777 | Closed | 2026-02-09 22:34 | 2026-02-20 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX NR: Please see attached page X of the appraisal showing that XXXX with XX units is the project for the condo. XXXX is an approved condo by Fannie Mae and a questionnaire is not required. - Due Diligence Vendor-XX/XX/XXXX Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is Missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 7529448 | N/A | N/A | ||||
| XXXX | XXXX | 305038988 | Closed | 2026-02-10 09:45 | 2026-02-17 08:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required to Run Compliance Test. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7539500 | N/A | N/A | ||||
| XXXX | XXXX | 305038988 | Closed | 2026-02-17 03:53 | 2026-02-17 04:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7646695 | N/A | N/A | ||||
| XXXX | XXXX | 305042219 | Closed | 2026-02-11 05:36 | 2026-02-27 02:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Assets from account #XXXX has been excluded, Available assets are sufficient for reserves, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please exclude these assets, they are not needed - Due Diligence Vendor-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Access letter to all funds from account #XXXX (Joint Account page #XXX) missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Assets from account #XXXX has been excluded, Available assets are sufficient for reserves, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Investment | Purchase | NA | 7555229 | N/A | N/A | ||||
| XXXX | XXXX | 305042219 | Closed | 2026-02-11 05:32 | 2026-02-26 23:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Executed Initial XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open- initial XXXX with Loan Officer & Borrowers signatures missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Executed Initial XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Investment | Purchase | NA | 7555036 | N/A | N/A | ||||
| XXXX | XXXX | 305042219 | Closed | 2026-02-11 01:14 | 2026-02-18 04:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing GAP report or Proof of Undisclosed Debt Monitoring within XX days of closing date missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Investment | Purchase | NA | 7553007 | N/A | N/A | ||||
| XXXX | XXXX | 305042219 | Closed | 2026-02-11 01:14 | 2026-02-18 04:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing GAP report or Proof of Undisclosed Debt Monitoring within XX days of closing date missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Investment | Purchase | NA | 7553006 | N/A | N/A | ||||
| XXXX | XXXX | 305042219 | Closed | 2026-02-11 05:30 | 2026-02-18 01:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Requested Xst page of "Assignment of Lease and Rent Riders" document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open-Assignment of Lease and Rent Riders missing page X of X. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Xst page of "Assignment of Lease and Rent Riders" document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | CA | Investment | Purchase | NA | 7555025 | N/A | N/A | ||||
| XXXX | XXXX | 305047467 | Closed | 2026-02-11 01:01 | 2026-02-20 07:13 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved- Each borrower must have X eligible credit scores to support sufficient history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/XX XX: The middle score would be XXX. This is further confirmed by the XXXXXX XXX XXXXXXX XXXXX, which states: "When three credit scores are obtained, choose the middle score. This loan should be qualifying with XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Considered primary wage earner as qualifying FICO score as XXX, but in XXXX given FICO score as XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved- Each borrower must have X eligible credit scores to support sufficient history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Purchase | NA | 7552966 | N/A | N/A | ||||
| XXXX | XXXX | 305047160 | Closed | 2026-02-11 05:36 | 2026-02-17 15:42 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX approves exception for missing BP Occ Aff at time of application. One is provided at closing. Comp Factors: XXX FICO, XXX mos reserves. - XXXXX-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Investment | Purchase | NA | 7555230 | Investor Post-Close | No | ||||
| XXXX | XXXX | 305044836 | Closed | 2026-02-11 10:46 | 2026-02-17 07:36 | Resolved | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Escalated to XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX X/XX: Please clarify the disclosures being cited so we can better assist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) Confirmed the disclosed finance charge is below the actual finance charge. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NY | Primary Residence | Purchase | NA | 7563244 | N/A | N/A | ||||
| XXXX | XXXX | 305050648 | Closed | 2026-02-12 05:37 | 2026-02-12 14:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-Final HUD-X Document is Missing. Final HUD provided in file is not legible to read. provide updated HUD document - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | GA | Investment | Refinance | Cash Out - Other | 7578732 | N/A | N/A | |||
| XXXX | XXXX | 305050648 | Closed | 2026-02-12 05:03 | 2026-02-12 14:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Received complete executed Note updated Note page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX Open-The Note is Incomplete Note page X of X is missing in file. Provide missing documentation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX |
Resolved-Received complete executed Note updated Note page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | GA | Investment | Refinance | Cash Out - Other | 7578160 | N/A | N/A | |||
| XXXX | XXXX | 305040508 | Closed | 2026-02-11 05:01 | 2026-02-18 01:17 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated title coverage provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Title Commitment - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX, we need updated title report with amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested updated title document with updated title coverage provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NM | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7554580 | N/A | N/A | ||||
| XXXX | XXXX | 305040508 | Closed | 2026-02-11 06:24 | 2026-02-17 08:00 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | New Mexico - Documentation Type (Home Loan)(07/09) | Resolved-All factors have been document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX X/XX Please see attached which shows the Underwriting fee is covered by lender credit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXX XXXXXX XXXX XXXX XXXXXXXXXX XXX requires Full documentation of a "home loan." (X.X. Stat. Ann. XX-XXA-X(C)) The new mexico home loan protection act requires full documentation of a "home loan:, as state specific finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-All factors have been document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | NM | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7556332 | N/A | N/A | ||||
| XXXX | XXXX | 305044583 | Closed | 2026-02-13 04:31 | 2026-02-19 02:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | AZ | Primary Residence | Purchase | NA | 7603385 | N/A | N/A | ||||
| XXXX | XXXX | 305044583 | Closed | 2026-02-13 04:31 | 2026-02-19 02:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | AZ | Primary Residence | Purchase | NA | 7603384 | N/A | N/A | ||||
| XXXX | XXXX | 305044924 | Closed | 2026-02-17 10:02 | 2026-02-24 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Loan qualified at Note rate per investor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Loan qualified at Note Rate as required for Investor - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX provided. Subject property payment reflects P&I of $XXXX.XX. Per XX's, Interest only payment (ITIA) is used for qualifying. Audited I/O Payment of $XXXX.XX plus Tax amount $XXX.XX + HOI premium $XXX.XX + HOA Fees $XXX = $XXX.XX $XXXX.XX ITIA. Additional Debt of $XXXX for Total Debt of $XXXX.XX. Front End DTI of XX.XXX and Back end DTI of XX.XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Loan qualified at Note rate per investor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TN | Primary Residence | Purchase | NA | 7657557 | N/A | N/A | ||||
| XXXX | XXXX | 305044924 | Closed | 2026-02-17 10:36 | 2026-02-24 08:32 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-PDI provided. No damage - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-PDI provided states no damage. However, front window appears boarded up in front of house photos. Please provide clarification - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-PDI attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Property potentially affected by XXXX Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-PDI provided. No damage - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TN | Primary Residence | Purchase | NA | 7658621 | N/A | N/A | ||||
| XXXX | XXXX | 305044924 | Closed | 2026-02-13 00:37 | 2026-02-19 02:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TN | Primary Residence | Purchase | NA | 7600781 | N/A | N/A | ||||
| XXXX | XXXX | 305044924 | Closed | 2026-02-13 00:37 | 2026-02-19 02:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TN | Primary Residence | Purchase | NA | 7600780 | N/A | N/A | ||||
| XXXX | XXXX | 305012672 | Closed | 2026-02-12 03:55 | 2026-02-24 07:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-CT X/XX: Please see attached Lock Sheets and corresponding disclosure. On X-XX the loan was relocked, negative pricing disclosed to the borrower on X-XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide Change of Circumstances for Lender Credit Decreased in Final Closing Disclosure as per Final Disclosure $X,XXX.XX Whereas as per Initial Loan Estimate $X,XXX Decreased by -$X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Primary Residence | Purchase | NA | 7577421 | N/A | N/A | |||||
| XXXX | XXXX | 305033681 | Closed | 2026-02-12 04:08 | 2026-02-24 06:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Documentation clears the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/XX MM: The borrower is still pending the documentation for the work authorization. This document shows that this is still under approval but the document is good until XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-Please provide the I-XXX for work authorization. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/XX MM: Please see the attached document that is a IXXXX case type which isDeferred action is an act of prosecutorial discretion to defer removal of an individual. Individuals who receive deferred action will not be removed from the United States for a specified period of time, unless the Department of Homeland Security (DHS) chooses to terminate the grant of deferred action. The borrower has submitted this document to ask for approval consideration. There is no ID card to provide. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Permanent Resident Alien, Permanent ID Document is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Documentation clears the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Purchase | NA | 7577520 | N/A | N/A | ||||
| XXXX | XXXX | 305033681 | Closed | 2026-02-12 04:36 | 2026-02-13 11:51 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XX . The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, XX . The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Purchase | NA | 7577792 | N/A | N/A | ||||
| XXXX | XXXX | 305036850 | Closed | 2026-02-12 05:32 | 2026-02-17 01:44 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Title Commitment - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The title coverage amount of $XXXXXX is less than loan amount $XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Refinance | Cash Out - Other | 7578663 | N/A | N/A | ||||
| XXXX | XXXX | 305031653 | Closed | 2026-02-12 07:06 | 2026-02-13 15:12 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | PA | Primary Residence | Purchase | NA | 7581182 | N/A | N/A | ||||
| XXXX | XXXX | 305031653 | Closed | 2026-02-12 07:06 | 2026-02-13 15:12 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-XXX-XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-XXX-XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#’ XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX, The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | PA | Primary Residence | Purchase | NA | 7581184 | N/A | N/A | ||||
| XXXX | XXXX | 305040509 | Closed | 2026-02-23 20:47 | 2026-02-25 07:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Disclosure Received and Intent To Proceed | Resolved-Intent to Proceed was completed on X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Corrected Intent to Proceed received with the date of X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-LL X/XX The LE and the ITP were sent and signed by the borrower on the same day. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under XXXXXXXXXX X, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX XXX XXXX.XX(e)(X)(i)(A)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Intent to Proceed was completed on X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Corrected Intent to Proceed received with the date of X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | HI | Primary Residence | Refinance | Cash Out - Other | 7771550 | N/A | N/A | ||||
| XXXX | XXXX | 305040509 | Closed | 2026-02-12 23:31 | 2026-02-24 07:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-LOX sent to the customer. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-TF X/XX Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-XXXX: Missing Final Closing Disclosure The Final CD in the file shows the closing date as X/XX/XX; however, the note date shows the closing was on XX/XX/XX. Provide updated Final CD with correct closing date. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-LOX sent to the customer. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | HI | Primary Residence | Refinance | Cash Out - Other | 7600191 | N/A | N/A | ||||
| XXXX | XXXX | 305040509 | Closed | 2026-02-12 22:54 | 2026-02-20 06:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated income calculation sheet provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide the income calc worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested updated income calculation sheet provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | HI | Primary Residence | Refinance | Cash Out - Other | 7599838 | N/A | N/A | ||||
| XXXX | XXXX | 305040509 | Closed | 2026-02-13 04:44 | 2026-02-20 01:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Condition raised for "Unable to verify borrower XX months primary housing history" but payment history present in file on page #XXX showing last XX Months payments, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Unable to verify borrower XX months primary housing history. Provide VOM or supplement credit report to show free and clear status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Condition raised for "Unable to verify borrower XX months primary housing history" but payment history present in file on page #XXX showing last XX Months payments, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | HI | Primary Residence | Refinance | Cash Out - Other | 7603799 | N/A | N/A | ||||
| XXXX | XXXX | 304911406 | Closed | 2026-02-14 02:44 | 2026-02-17 15:05 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 7621822 | N/A | N/A | ||||
| XXXX | XXXX | 305029752 | Closed | 2026-02-14 22:14 | 2026-03-03 00:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Master policy with the updated expiration date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/X XXX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Provide Updated Master Policy reflecting an expiration date after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Master policy with the updated expiration date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Purchase | NA | 7623815 | N/A | N/A | ||||
| XXXX | XXXX | 305029752 | Closed | 2026-02-14 23:17 | 2026-03-03 07:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | IL | Primary Residence | Purchase | NA | 7623956 | N/A | N/A | ||||
| XXXX | XXXX | 305047469 | Closed | 2026-02-15 01:46 | 2026-02-17 15:20 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Primary Residence | Refinance | Cash Out - Other | 7624162 | N/A | N/A | ||||
| XXXX | XXXX | 305050794 | Closed | 2026-02-17 03:02 | 2026-02-24 13:51 | Cured | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Cured-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Acknowledged-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-The loan was not locked at time of initial disclosures, while the borrower didn’t make an election, they did sign the intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Provide Anti-Steering Disclosure which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Cured-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Acknowledged-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 7646036 | N/A | N/A | ||||
| XXXX | XXXX | 305047280 | Closed | 2026-02-17 23:21 | 2026-02-24 13:51 | Cured | 1 - Information | B | A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Cured-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Acknowledged-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Escalated-Escalated to Compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Escalated to Compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-The loan was not locked at time of initial disclosures, while the borrower didn’t make an election, they did sign the intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is paid by lender, this requires an Anti-Steering Disclosure, missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Cured-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Acknowledged-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OR | Primary Residence | Purchase | NA | 7670823 | N/A | N/A | ||||
| XXXX | XXXX | 305047280 | Closed | 2026-02-17 21:43 | 2026-02-23 02:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | OR | Primary Residence | Purchase | NA | 7670121 | N/A | N/A | ||||
| XXXX | XXXX | 305042216 | Closed | 2026-02-17 03:04 | 2026-02-23 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Updated XXXX and XXXX provided reflecting Tax amount XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-taxes are $X,XXX.XX/XX= XXX.XX - updated XXXX/XXXX attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax Per page XXX current year total taxes are $X,XXX.XX/XX= XXX.XX, not matching with taxes of XXXX & Final CD $X,XXX.XX*XX = $XX,XXX.XX (Property taxes are X,XXX.XX, City taxes are X,XXX.XX, County Taxes are X,XXX.XX), Need updated tax cert with with taxes of $XX,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Updated XXXX and XXXX provided reflecting Tax amount XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Primary Residence | Purchase | NA | 7646055 | N/A | N/A | ||||
| XXXX | XXXX | 305042216 | Closed | 2026-02-17 05:55 | 2026-02-23 15:46 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed Intent to Proceed provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required signed intent to proceed on Primary Residence and Second Homes. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Executed Intent to Proceed provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Primary Residence | Purchase | NA | 7649560 | N/A | N/A | ||||
| XXXX | XXXX | 305042216 | Closed | 2026-02-17 03:48 | 2026-02-23 01:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | TX | Primary Residence | Purchase | NA | 7646623 | N/A | N/A | ||||
| XXXX | XXXX | 305051347 | Closed | 2026-02-18 03:44 | 2026-02-24 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Xrd party fraud report received and accepted. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing fraud report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Xrd party fraud report received and accepted. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | UT | Primary Residence | Purchase | NA | 7672289 | N/A | N/A | ||||
| XXXX | XXXX | 305051347 | Closed | 2026-02-18 02:24 | 2026-02-23 23:20 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provided title document coverage amount of $XXXXXX, however loan amount is $XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | UT | Primary Residence | Purchase | NA | 7671731 | N/A | N/A | ||||
| XXXX | XXXX | 305051347 | Closed | 2026-02-18 03:06 | 2026-02-23 01:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | UT | Primary Residence | Purchase | NA | 7672054 | N/A | N/A | ||||
| XXXX | XXXX | 305051347 | Closed | 2026-02-18 03:06 | 2026-02-23 01:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is F&C per uploaded docs. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-ATTACHED was owned free/clear - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History verified from page XXX from November XXXX; however, before that borrower lived on XXXX prairie wing property which was sold. Unable to verify the months history. Provide updated documents. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Property is F&C per uploaded docs. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | UT | Primary Residence | Purchase | NA | 7672053 | N/A | N/A | ||||
| XXXX | XXXX | 305044932 | Closed | 2026-02-23 10:17 | 2026-02-24 04:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report showing no new credit or inquiries, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Received UDM report showing no new credit or inquiries, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 7758490 | N/A | N/A | ||||
| XXXX | XXXX | 305044932 | Closed | 2026-02-19 00:45 | 2026-02-23 23:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Third Party Fraud Report Per the XX XX-XX-XXXX page # XX a fraud report is required. The Fraud report is missing in file. Provide fraud report document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 7691097 | N/A | N/A | ||||
| XXXX | XXXX | 305034559 | Closed | 2026-02-23 02:11 | 2026-02-25 17:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Second Home | Purchase | NA | 7746495 | N/A | N/A | ||||
| XXXX | XXXX | 305034559 | Closed | 2026-02-23 02:48 | 2026-02-25 17:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-The community is not in the NFIP; however, the flood certificate shows the zone as X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Flood Cert - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Flood Certificate is Partially Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The community is not in the NFIP; however, the flood certificate shows the zone as X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Second Home | Purchase | NA | 7746674 | N/A | N/A | ||||
| XXXX | XXXX | 305034559 | Closed | 2026-02-23 03:18 | 2026-02-25 17:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Fraud report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Third Party Fraud Report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Document clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Second Home | Purchase | NA | 7746864 | N/A | N/A | ||||
| XXXX | XXXX | 305034559 | Closed | 2026-02-26 15:59 | 2026-02-26 16:13 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | MI | Second Home | Purchase | NA | 7833310 | N/A | N/A |