Exhibit 99.07 - Schedule 2
| 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 | 2140087 | Closed | 2025-11-10 13:18 | 2026-05-05 10:56 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction and XXX% of the market rent was used in the DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction and XXX% of the market rent was used in the DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per the Appraisal, the property is Vacant and the Market Rent on the XXXX is $X,XXX. However, per the XXXXX XXXX XXXX XXXX XXXXXXXXXX (page #XX): "If the property is unleased at time of origination, XX% of the market rent is used." That would make the Qualifying Rent $X,XXX x XX% = $X,XXX, and the corresponding DSCR to be X.XXX, which is less than X.XX. Further, the property tax was not calculated correctly. The increase of the monthly taxes decreased the DSCR below the minimum required of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction and XXX% of the market rent was used in the DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction and XXX% of the market rent was used in the DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6199409 | Originator Post-Close | No | |||
| XXXX | 2140087 | Closed | 2025-11-10 12:42 | 2025-11-14 05:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed XXXXX XXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6198788 | N/A | N/A | ||||
| XXXX | 2140087 | Closed | 2025-11-07 05:21 | 2025-11-14 00:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Flood Certificate Flood Certificate Document is missing in file for XXXX XXXXXX XXXXX, #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167977 | N/A | N/A | ||||
| XXXX | 2140093 | Closed | 2025-12-03 15:02 | 2026-05-05 10:57 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6474455 | Originator Post-Close | No | |||
| XXXX | 2140093 | Closed | 2025-11-07 10:56 | 2025-12-08 10:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed XXXXX XXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6174418 | N/A | N/A | ||||
| XXXX | 2140092 | Closed | 2025-12-03 15:22 | 2026-05-05 10:58 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6474787 | Originator Post-Close | No | |||
| XXXX | 2140092 | Closed | 2025-11-07 11:44 | 2025-12-07 10:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed XXXXX XXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6175467 | N/A | N/A | ||||
| XXXX | 2140091 | Closed | 2025-12-03 15:25 | 2026-05-05 10:59 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Waived to a B - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax mill rate sheet uploaded. The XXXk valuation appraisal is the updated appraisal. At the previous note rate we were below a X.X DSCR, which is the reason for the change. - Seller-XX/XX/XXXX Counter-The only valuations provided to XXXXXX are an Appraisal dated X/X/XXXX for $XXX,XXX and the corresponding Desk Review. Per the underwriter certification just provided, there was another valuation as well as a tax document showing the mill rate. Neither of these documents were provided to XXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax mill rate sheet uploaded. The XXXk valuation appraisal is the updated appraisal. At the previous note rate we were below a X.X DSCR, which is the reason for the change. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-Waived to a B - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX_XXXXX_ XXXXXXXXXX_XXXXXXXXXXXXXXXXXXXXXXX_XX.X.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6474848 | Originator Post-Close | No | |||
| XXXX | 2140090 | Closed | 2025-12-03 15:27 | 2026-05-05 10:59 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6474869 | Originator Post-Close | No | |||
| XXXX | 2140089 | Closed | 2025-12-03 15:32 | 2026-05-05 10:59 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6474928 | Originator Post-Close | No | |||
| XXXX | 2140088 | Closed | 2025-11-07 13:56 | 2026-05-05 11:00 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction used XXX% of market rent to calculate the DSCR. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction used XXX% of market rent to calculate the DSCR. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Per the Borrower Loan Acceptance Agreement & DSCR calculator, the DSCR is X.XXX using a qualifying NOI/Rent of $X,XXX. Per the Appraisal, the property is Vacant and the Market Rent on the XXXX is $X,XXX. However, per the XXXXXX XXXX XXXX guidelines (page #XX): "If the property is unleased at time of origination, XX% of the market rent is used." That would make the Qualifying Rent $X,XXX x XX% = $X,XXX, and the corresponding DSCR to be X.XXX, which is less than X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction used XXX% of market rent to calculate the DSCR. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. The property is new construction used XXX% of market rent to calculate the DSCR. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXX XXXXXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6178584 | Originator Post-Close | No | |||
| XXXX | 2140088 | Closed | 2025-11-07 03:31 | 2025-11-14 00:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-X Master Insurance Policy provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Missing HO-X Master Insurance Policy Master Condo Insurance Policy is missing from this file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-HO-X Master Insurance Policy provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXX XXXXXX XXXXXXXXX XXX — XXXXXX XXXX.XXX_XXXXX_ XXXX XXXXXX XXXXXXXXX XXX — XXXXXX XXXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167007 | N/A | N/A | ||||
| XXXX | 2140082 | Closed | 2025-12-03 15:42 | 2026-05-05 11:00 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXX XXXX XXXXX (X).XXX_XXXXX_ XXXXX XXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX - XXXX XXXXXX XXXXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6475035 | Originator Post-Close | No | |||
| XXXX | 2140082 | Closed | 2025-11-07 09:04 | 2025-11-14 05:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The Final XXXX is Missing The executed XXXXXX XXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6171367 | N/A | N/A | ||||
| XXXX | 2140082 | Closed | 2025-11-07 02:29 | 2025-11-14 00:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Missing Flood Certificate Flood Certificate for "XXXX XXXXXX XXXXX, #XXX" is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXXXXX - XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6166668 | N/A | N/A | ||||
| XXXX | 2140086 | Closed | 2025-12-03 15:48 | 2026-05-05 11:00 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6475117 | Originator Post-Close | No | |||
| XXXX | 2140086 | Closed | 2025-11-10 08:10 | 2025-11-14 05:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The Final XXXX is Missing The executed XXXXXX XXXX Loan Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6192353 | N/A | N/A | ||||
| XXXX | 2140086 | Closed | 2025-11-07 04:27 | 2025-11-14 00:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-X Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Open-HO-X Insurance Policy is Missing - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-HO-X Insurance Policy is Missing The XXXXXXXX Certificate of Insurance HOX policy document for XXXX XXXXXX XXXXX, #XXX is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-HO-X Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXX- XXXX XXXXXX XX # XXX.XXX_XXXXX_ XXX- XXXX XXXXXX XX # XXX.XXX |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167395 | N/A | N/A | ||||
| XXXX | 2140086 | Closed | 2025-11-07 04:27 | 2025-11-14 00:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Missing Flood Certificate Flood Certificate is missing for XXXX XXXXXX XXXXX, #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Flood Certificate for subject property provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXXXXX - XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6167394 | N/A | N/A | ||||
| XXXX | 2140094 | Closed | 2025-12-03 15:51 | 2026-05-05 11:01 | Waived | 2 - Non-Material | C | B | Credit | Credit | DSCR is less than 1.00 | Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The guideline minimum for DSCR is X.XX. The calculated monthly property tax of $XXX.XX resulted in the decrease of the DSCR to X.XXX which does not meet the guidelines of X.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Waived-The Slip Rate documentation was provided and system updated. Waived the finding and graded it as a B. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXXXXX XXX.XXX_XXXXX_ XXX XXXX XXXXX.XXX |
XXXX XXXXX XX XXX. XXXX XXXXXXXX, XXXX XXX XXXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6475139 | Originator Post-Close | No | |||
| XXXX | 2140094 | Closed | 2025-11-10 09:28 | 2025-11-14 05:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed XXXX Application is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6194001 | N/A | N/A | ||||
| XXXX | 2140094 | Closed | 2025-11-07 07:13 | 2025-11-13 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Flood Cert. - Seller-XX/XX/XXXX Open-Missing Flood Certificate Flood Certificate is missing in file for XXXX Xxxxxx Drive, #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Flood Cert. - Seller-XX/XX/XXXX |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6169348 | N/A | N/A | ||||
| XXXX | 2127956 | Closed | 2025-11-10 04:27 | 2025-11-14 04:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Prepayment Penalty Rider provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX Open-Provide Prepayment Penalty Rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX |
Resolved-Prepayment Penalty Rider provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXX XX XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6189891 | N/A | N/A | ||||
| XXXX | 2127956 | Closed | 2025-11-10 02:49 | 2025-11-14 04:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX |
Resolved-Deed of Trust document provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXX XX XXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 6189248 | N/A | N/A | ||||
| XXXX | 2127959 | Closed | 2025-12-01 05:34 | 2025-12-05 01:53 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-Requested short-term rental analysis from Xxxxxx with an annual amount of $XX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The attached was provided to the investor. - Seller-XX/XX/XXXX Open- Provide the short-term rental analysis from Xxxxxx with an annual amount of $XX,XXX and supporting documentation - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The attached was provided to the investor. - Seller-XX/XX/XXXX |
Resolved-Requested short-term rental analysis from Xxxxxx with an annual amount of $XX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXX XXXX XXXXXX XXXX (XXX).XXX | XX | Investment | Purchase | NA | 6425743 | N/A | N/A | ||||
| XXXX | 2127959 | Closed | 2025-12-01 05:31 | 2025-12-05 01:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Resolved-Requested asset depletion income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-Provide asset depletion worksheet - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-Requested asset depletion income calculator provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX-XXXXX XXXXXXXXX XXXXXXXXXX.XXX | XX | Investment | Purchase | NA | 6425700 | N/A | N/A | ||||
| XXXX | 2127962 | Closed | 2025-12-21 09:22 | 2025-12-24 00:47 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition 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. - Seller-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 Provide Secondary Valuation as per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXXXXX XXX.XXX | XX | Investment | Purchase | NA | 6724612 | N/A | N/A | ||||
| XXXX | 2122610 | Closed | 2025-12-25 06:05 | 2026-01-06 02:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-XX/XX/XXXX Statement provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank Statement - Seller-XX/XX/XXXX Open-Borrower X Personal Bank Statements Missing Borrower X Personal Bank " Xxxx Xxxxxxx Xxxxxx Xxxxx #XXXX " XX/XX/XXXX. Statement Missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank Statement - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX Statement provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Personal Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 6802929 | N/A | N/A | ||||
| XXXX | 2122610 | Closed | 2025-12-25 02:07 | 2026-01-06 02:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Gap Credit - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 6802618 | N/A | N/A | ||||
| XXXX | 2122610 | Closed | 2025-12-30 08:52 | 2026-01-04 21:26 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 0XXXX)(Conforming) | 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 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#XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - 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)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-due to missing Initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX Open- - 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 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#XX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Rescinded-due to missing Initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | 6853063 | N/A | N/A | ||||||
| XXXX | 2122610 | Closed | 2025-12-25 05:07 | 2026-01-04 21:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Initial CD XX/X - XXXXXX-XX/XX/XXXX _xXXXX_ Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial CD XX/X - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXXX XXXXXXX XX XX.X.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 6802858 | N/A | N/A | ||||
| XXXX | 2122610 | Closed | 2025-12-25 04:56 | 2026-01-04 21:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Validation resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Receipt of Document Copies - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Texas Home Equity Receipt Of Documents is Missing - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Receipt of Document Copies - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Validation resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXXX XXXXXXX XX XXXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 6802839 | N/A | N/A | ||||
| XXXX | 2126861 | Closed | 2025-12-30 11:59 | 2026-01-08 05:50 | 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) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Email from title stating the Final Title Policy coverage amount will reflect what is in the closing instruction - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title policy on page#XXX coverage amount showing as $XXX,XXX. it is less than the Loan amount. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Email from title stating the Final Title Policy coverage amount will reflect what is in the closing instruction - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXXXXXXX XXXXX.XXX | XX | Primary Residence | Purchase | NA | 6858519 | N/A | N/A | ||||
| XXXX | 2126861 | Closed | 2025-12-30 20:09 | 2026-01-09 07:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ 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#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ 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#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#’XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XX | Primary Residence | Purchase | NA | 6864075 | N/A | N/A | |||||
| XXXX | 2133243 | Closed | 2026-01-21 23:38 | 2026-02-09 07:18 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI updated with variance resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX _xXXXX_ Counter-The provided XXXX is for another transaction. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Audited DTI is XX.XX% and lender DTI is XX.XX%. The difference is X.XX%. The lender's all other monthly debts are $X,XXX.XX whereas diligence calculated all other monthly debts as $X,XXX.XX. Provide liabilities detail to resolve. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-DTI updated with variance resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXX.XXX_XXXXX_ XXXX.XXX |
XX | Primary Residence | Purchase | NA | 7235830 | N/A | N/A | ||||
| XXXX | 2133243 | Closed | 2026-01-21 23:36 | 2026-01-30 01:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Policy No Missing in hazard insurance document, provided updated hazard insurance document, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Insurance with Policy # - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Hazard Insurance Policy Partially Provided HOI policy number is missing. Provide insurance policy with policy number. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Insurance with Policy # - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-Policy No Missing in hazard insurance document, provided updated hazard insurance document, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXXXXXX XXXXXXXXX XXXXXX - XXXX XXXXXX #.XXX | XX | Primary Residence | Purchase | NA | 7235809 | N/A | N/A | ||||
| XXXX | 2133243 | Closed | 2026-01-21 21:44 | 2026-01-30 01:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX _xXXXX_ Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has uncleared alerts. Provide the required cleared report. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared alerts - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-There are uncleared alerts in fraud report, provided updated Fraud Report, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7234031 | N/A | N/A | ||||
| XXXX | 2133243 | Closed | 2026-01-21 23:36 | 2026-02-09 07:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ 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#’s XXX, 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 XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ 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#’s XXX, 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 XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX . The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XX | Primary Residence | Purchase | NA | 7235810 | N/A | N/A | |||||
| XXXX | 2133243 | Closed | 2026-01-21 23:36 | 2026-02-09 07:21 | Resolved | 1 - Information | A | A | Compliance | Predatory:DocType | New Mexico - Documentation Type (Home Loan)(07/09) | Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-The XXX XXXXXX Home Loan Protection Act requires Full documentation of a "home loan." (N.M. Stat. Ann. XX-XXA-X(C)) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
_xXXXX_ |
Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Resolved-The XXX XXXXXX Home Loan Protection Act requires Full documentation of a "home loan." (N.M. Stat. Ann. XX-XXA-X(C)) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XX XXXXXX XXXX XXXXXXXXXX XXX XXXX XXX XXXXXX XXXXXXXXXXX XX XXXXXXX XXXXX XXXXXXX XXXXXXXX XXXX XX XXX XXX. | XX | Primary Residence | Purchase | NA | 7235812 | N/A | N/A | ||||
| XXXX | 2129784 | Closed | 2026-01-31 23:11 | 2026-02-04 04:30 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX XXX provided. Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX _xXXXX_ 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 the Guideline version XX/XX/XXXX on page#XX, 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 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXX - XXXXXX-XX/XX/XXXX_xXXXX_ |
Resolved-XXXXXXX XXX provided. Resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX_xXXXX_ |
XXXX XXXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | 7388372 | N/A | N/A | ||||
| XXXX | 2129784 | Closed | 2026-02-01 01:10 | 2026-02-04 12:12 | Resolved | 1 - Information | A | A | Compliance | Mavent | HigherPriced: APR | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - 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)) 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#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX,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 |
Resolved-The loan meets HPML guidelines, resolved. - 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)) 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#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX,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 |
XX | Primary Residence | Purchase | NA | 7388443 | N/A | N/A | ||||||
| XXXX | 2129784 | Closed | 2026-02-01 01:10 | 2026-02-04 09:50 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX,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 |
Resolved-The 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)(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#’sXXX, and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX,XXX. An interior and exterior appraisal was completed for this property – see pg#’sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX,XXX,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 |
XX | Primary Residence | Purchase | NA | 7388442 | N/A | N/A | ||||||
| XXXX | 2133236 | Closed | 2026-02-13 02:00 | 2026-02-23 08:14 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The 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 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-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-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)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The 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 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-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 |
XX | Primary Residence | Purchase | NA | 7601485 | N/A | N/A | ||||||
| XXXX | 2133236 | Closed | 2026-02-02 02:59 | 2026-02-13 02:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated 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-Document Uploaded. Final CD with all pages - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Provide the final closing disclosure Xnd page. it is not available in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final CD with all pages - Seller-XX/XX/XXXX |
Resolved-Updated 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 |
XXXXX XX.XXX | XX | Primary Residence | Purchase | NA | 7392348 | N/A | N/A | ||||
| XXXX | 2133236 | Closed | 2026-02-13 02:00 | 2026-02-13 02:04 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7601484 | N/A | N/A | ||||||
| XXXX | 2133236 | Closed | 2026-02-13 02:00 | 2026-02-13 02:04 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7601486 | N/A | N/A | ||||||
| XXXX | 2133236 | Closed | 2026-02-02 00:36 | 2026-02-04 23:17 | 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 - 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. XXXXXXX XXX - LCA Score X - Seller-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 Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - LCA Score X - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX_XXXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | 7391785 | N/A | N/A | ||||
| XXXX | 2133233 | Closed | 2026-02-03 09:21 | 2026-02-10 02:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7420257 | N/A | N/A | ||||
| XXXX | 2133233 | Closed | 2026-02-03 09:07 | 2026-02-09 02:38 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - 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. XXXXXXX_XXX - LCA score X.X - Seller-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 Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX_XXX - LCA score X.X - Seller-XX/XX/XXXX |
Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXX XXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7419370 | N/A | N/A | ||||
| XXXX | 2133233 | Closed | 2026-02-03 21:50 | 2026-02-03 23:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the Xxxxxxxxxx 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)) 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-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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX-XX , 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 - 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-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the Xxxxxxxxxx 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)) 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-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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX-XX , 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 - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7429955 | N/A | N/A | ||||||
| XXXX | 2133233 | Closed | 2026-02-03 21:50 | 2026-02-03 23:15 | 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#’s XXX and the Final Closing disclosure on Pg#’s XXX-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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX-XX , 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 XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-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#’s XXX and the Final Closing disclosure on Pg#’s XXX-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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XX-XX , 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 XXXXXXXXX XXXXX-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7429954 | N/A | N/A | ||||||
| XXXX | 2129523 | Closed | 2026-02-05 09:26 | 2026-03-03 17:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Received exception for credit deficiency and finding has been waived. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Waived-Low DTI XX.XX%. XXXXXXXXX maximum is XX%. Housing history X X XXxXX+ months. High discretionary income at over XXk a month. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXX-XX/XX/XXXX Open-Audited Reserves are less than XXXXXXXXX Required Reserves (Number of Months) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Waived-Received exception for credit deficiency and finding has been waived. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Waived-Low DTI XX.XX%. XXXXXXXXX maximum is XX%. Housing history X X XXxXX+ months. High discretionary income at over XXk a month. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX.XXX | XXX XXX XX.XX%, XXXXXXXXX XXXXXXX XX XX%. XXXXXXX XXXXXXX X X XXXXX+ XXXXXX. XXXX XXXXXXXXXXXXX XXXXXX XX XXXX XXX X XXXXX. |
XX | Primary Residence | Purchase | NA | 7467451 | Originator Post-Close | Yes | ||||
| XXXX | 2133237 | Closed | 2026-02-09 11:33 | 2026-02-12 07:57 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Acknowledged-XXXX has declared this county for public assistance so a XXXX disaster inspection should not be needed per client. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - LOE - 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 XXXXXXXXX XXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - LOE - XXXXXX-XX/XX/XXXX |
Acknowledged-XXXX has declared this county for public assistance so a XXXX disaster inspection should not be needed per client. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXX_XXX.XXX | XX | Primary Residence | Purchase | NA | 7520783 | Originator Pre-Close | No | ||||
| XXXX | 2133237 | Closed | 2026-02-04 06:21 | 2026-02-06 14:12 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - XXXXXX-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | 7435342 | N/A | N/A | ||||
| XXXX | 2133237 | Closed | 2026-02-04 11:14 | 2026-02-05 12:24 | 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 passes HPML guidelines and is HPML compliant loan 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-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX-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-XXX , XX 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 XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-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 passes HPML guidelines and is HPML compliant loan 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-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX-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-XXX , XX 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 XXXXXXXXX XXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7444939 | N/A | N/A | ||||||
| XXXX | 2133261 | Closed | 2026-02-09 21:52 | 2026-02-13 06:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | 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 XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX XXXXXXXXXXX - 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 Updated Insurance document or Replacement coverage document as dwelling amount $XXXXXX is less than loan amount $XXXXXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXXXXXXXXXX - 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 XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXX_XXXXXX XXXXXXXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7529246 | N/A | N/A | ||||
| XXXX | 2133261 | Closed | 2026-02-09 23:32 | 2026-02-12 01:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Home Equity Receipt Of Documents is Missing | Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Resolved-Validation resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Texas Home Equity Receipt Of Documents - XXXXXX-XX/XX/XXXX Open-Texas Home Equity Receipt Of Documents is Missing Provide Texas Home Equity Receipt Of Documents as it is Missing in the file - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Texas Home Equity Receipt Of Documents - XXXXXX-XX/XX/XXXX |
Resolved-Texas Home Equity Receipt Of Documents uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Resolved-Validation resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXX_XXXXXXX XX XXXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | Cash Out - Other | 7529738 | N/A | N/A | ||||
| XXXX | 2133261 | Closed | 2026-02-09 23:32 | 2026-02-10 00:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.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-XXX 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 copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-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-XXX 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 copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XX | Primary Residence | Refinance | Cash Out - Other | 7529744 | N/A | N/A | ||||||
| XXXX | 2133313 | Closed | 2026-02-12 07:41 | 2026-02-20 07:18 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXX and is a Compliant HPML loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-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 missing 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 #X, the appraisal disclosure is provided on page #X, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. Escrow Account Disclosure is missing - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXX and is a Compliant HPML loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7582189 | N/A | N/A | |||||
| XXXX | 2133313 | Closed | 2026-02-12 07:52 | 2026-02-20 06:48 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-received IEADS - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached - XXXXXX-XX/XX/XXXX Counter-Document Uploaded. Docs uploaded are not sufficient to clear condition. please see snippet uploaded. Initial Escrow Account Disclosure Statement (IEADS) required - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX Counter-requesting the Initial Escrow Account Disclosure Statement (IEADS) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX Open-Provide Initial Escrow Account Disclosure, Missing in File - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see attached - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX |
Resolved-received IEADS - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX.XXX_XXXXX_ XXXXX XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXX XXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | 7582468 | N/A | N/A | ||||
| XXXX | 2133313 | Closed | 2026-02-12 06:54 | 2026-02-17 07:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Audited LTV Exceeds XXXXXXXXX LTV As per the Matrix, for Condo property, Max LTV is XX%, Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXX XXX XXX.XXX | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. |
XX | Primary Residence | Purchase | NA | 7580901 | Originator Pre-Close | Yes | |||||
| XXXX | 2133313 | Closed | 2026-02-12 06:30 | 2026-02-17 07:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements The LOX on page #XXX for borrower lives rent free is provided by the borrower, Provide Rent Free letter from the owner of the property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Waived-Exception received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXXXXX XXX XXX XXX.XXX | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. |
XX | Primary Residence | Purchase | NA | 7580366 | Originator Pre-Close | Yes | |||
| XXXX | 2132258 | Closed | 2026-02-15 10:19 | 2026-04-10 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. The Attached VOE was on pg XXX of the original package - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX.XXX | XX | Primary Residence | Purchase | NA | 7625247 | N/A | N/A | |||||
| XXXX | 2132259 | Closed | 2026-02-15 09:10 | 2026-02-18 07:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-All initial disclosures were sent to the borrower on X/XX, then a reminder sent and they printed them. they did not sign them until X/XX - Seller-XX/XX/XXXX Open-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-All initial disclosures were sent to the borrower on X/XX, then a reminder sent and they printed them. they did not sign them until X/XX - Seller-XX/XX/XXXX |
Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7625122 | N/A | N/A | ||||
| XXXX | 2132259 | Closed | 2026-02-15 09:18 | 2026-02-18 02:14 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Initial Escrow Acct disclosure missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXX XXXXXXXXXX.XXX | XX | Primary Residence | Purchase | NA | 7625135 | N/A | N/A | ||||
| XXXX | 2132259 | Closed | 2026-02-15 09:10 | 2026-02-18 07:02 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). 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.X%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. 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 is missing on file, and the Final Closing disclosure on Pg #XXX 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 #X and copy of the appraisal was given to the borrower – see Pg #X for the copy of the disclosure. The loan meets HPML XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). 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.X%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. 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 is missing on file, and the Final Closing disclosure on Pg #XXX 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 #X and copy of the appraisal was given to the borrower – see Pg #X for the copy of the disclosure. The loan meets HPML XXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7625120 | N/A | N/A | ||||||
| XXXX | 2135971 | Closed | 2026-02-25 14:30 | 2026-02-26 08:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-DPR Verification of Mortgage shows different address XXXX vs Subject XXXX, however may be handwriting interpretation. Page XXX DPR Payoff statement unpaid balance depends on interest accrued. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Verification of Mortgage uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements XXXXXXXXX Page XX, most recent XX month payment history missing for subject mortgage DPR Rentals. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DPR Verification of Mortgage shows different address XXXX vs Subject XXXX, however may be handwriting interpretation. Page XXX DPR Payoff statement unpaid balance depends on interest accrued. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Verification of Mortgage uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX - XXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7810625 | N/A | N/A | ||||
| XXXX | 2134078 | Closed | 2026-02-21 01:31 | 2026-02-23 22:40 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Final XXXX, XXXX & Income worksheet uploaded with corrected qualifying income, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please see upload to corresponding condition - Buyer-XX/XX/XXXX Open-The Qualifying Income on Final XXXX & XXXX reflects as $XX,XXX.XX due UW incorrectly capture Monthly Gross Deposits for June XXXX Month whereas the Calculated Qualifying Income is $XX,XXX.XX which is lesser. Provide updated Final XXXX & XXXX with corrected qualifying Income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Final XXXX, XXXX & Income worksheet uploaded with corrected qualifying income, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 7737233 | N/A | N/A | ||||||
| XXXX | 2134078 | Closed | 2026-02-21 01:29 | 2026-02-23 22:40 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Final XXXX, XXXX & Income worksheet uploaded with corrected qualifying income, DTI matches the XXXX document, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-DTI difference is X.XX% due to Qualifying Income on Final XXXX & XXXX reflects as $XX,XXX.XX whereas the Calculated Qualifying Income is $XX,XXX.XX which is lesser. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Final XXXX, XXXX & Income worksheet uploaded with corrected qualifying income, DTI matches the XXXX document, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX.XXX_XXXXX_ XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXXX XXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXX.XXX |
XX | Primary Residence | Purchase | NA | 7737186 | N/A | N/A | |||||
| XXXX | 2134078 | Closed | 2026-02-21 01:26 | 2026-02-23 22:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. As per XX #XXXX Bank statement Monthly Gross Deposits reflects as $XX,XXX.XX whereas the Lender Income calculation worksheet Considered as $XX,XXX.XX. Provide updated Lender Income calculation worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX | XX | Primary Residence | Purchase | NA | 7737081 | N/A | N/A | |||||
| XXXX | 2134078 | Closed | 2026-02-20 23:47 | 2026-02-23 09:28 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower X Gap Credit Report is Missing Exception Request Form is on Page #XXX Exception to waive gap credit report - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Gap Credit Report is Missing Exception Request Form is on Page #XXX Exception to waive gap credit report - Due Diligence Vendor-XX/XX/XXXX |
XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%. XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. XXXX XXXXXXXXXXXXX XXXXXX XX $XX,XXX.XX |
XX | Primary Residence | Purchase | NA | 7736360 | Originator Pre-Close | Yes | |||||
| XXXX | 2134078 | Closed | 2026-02-20 23:47 | 2026-02-23 09:28 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower X Gap Credit Report is Missing Exception Request Form is on Page #XXX Exception to waive gap credit report - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Gap Credit Report is Missing Exception Request Form is on Page #XXX Exception to waive gap credit report - Due Diligence Vendor-XX/XX/XXXX |
XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%. XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX. XXXX XXXXXXXXXXXXX XXXXXX XX $XX,XXX.XX |
XX | Primary Residence | Purchase | NA | 7736359 | Originator Pre-Close | Yes | |||||
| XXXX | 2136956 | Closed | 2026-02-22 21:35 | 2026-02-25 07:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Counter-December statement is from XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide Savings Account Statement for XXXXX #XXXX to verify the Assets of $XXX,XXX.XX listed on Final XXXX. Missing from File. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX.XXX_XXXXX_ XXXX XXX.XXX_XXXXX_ XXXX XXX.XXX |
XX | Primary Residence | Purchase | NA | 7745375 | N/A | N/A | |||||
| XXXX | 2136956 | Closed | 2026-02-22 21:35 | 2026-02-25 07:14 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated system with heloc information from departure residence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide Wire Transfer or Proof to verify the Secured Borrower Funds of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated system with heloc information from departure residence. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX XXXXX.XXX | XX | Primary Residence | Purchase | NA | 7745376 | N/A | N/A | |||||
| XXXX | 2136956 | Closed | 2026-02-22 22:30 | 2026-02-23 22:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-HELOC statement to verify Mortgage Lien "XXXXXXX XXXXXXX #XXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Provide mortgage statements or VOM to verify the Mortgage Lien "XXXXXXX XXXXXXX #XXXX". Missing from File. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HELOC statement to verify Mortgage Lien "XXXXXXX XXXXXXX #XXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX_XXXXX_ XXX XXX XXXXX.XXX |
XX | Primary Residence | Purchase | NA | 7745575 | N/A | N/A | |||||
| XXXX | 2136956 | Closed | 2026-02-22 21:41 | 2026-02-23 10:16 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Request Form is on Page #XXX Exception to allow XX% LTV on Rural Property. Appraisal states suburban property. Lender XXXXXXXXX Maximum allowed is XX% - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Request Form is on Page #XXX Exception to allow XX% LTV on Rural Property. Appraisal states suburban property. Lender XXXXXXXXX Maximum allowed is XX% - Due Diligence Vendor-XX/XX/XXXX |
XX.X% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.X%. $XXX,XXX (XX.XX XX'X) XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX (X XX'X) XXXXXXX XXX XXXXXXX XX >X XXXXXX XXXX XXX XXXXXXXX XXXXXXX. |
XX | Primary Residence | Purchase | NA | 7745385 | Originator Pre-Close | Yes | |||||
| XXXX | 2137737 | Closed | 2026-02-24 22:39 | 2026-02-26 09:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX+ months. - Due Diligence Vendor-XX/XX/XXXX Resolved-Settlement Statement Refinance XXXXXXXXXX proceeds $XX,XXX.XX for funds required to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. c/o from other property used as reserves - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) XXXXXXXXXX Page XX missing documentation funds required to close and post close X months PITIA reserves for each Refinanced property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. c/o from other property used as reserves - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of XX+ months. - Due Diligence Vendor-XX/XX/XXXX Resolved-Settlement Statement Refinance XXXXXXXXXX proceeds $XX,XXX.XX for funds required to close and reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7791597 | N/A | N/A | ||||
| XXXX | 2137743 | Closed | 2026-02-27 09:32 | 2026-03-02 05:54 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Application received - Due Diligence Vendor-XX/XX/XXXX |
X XX XXXXX XXXX XXXX XXX XXXXX XXXXXXX.XXX | XX | Investment | Purchase | NA | 7846541 | N/A | N/A | ||||
| XXXX | 2137728 | Closed | 2026-03-05 06:54 | 2026-03-06 11:49 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXX XXXX XXXX XXXX XXXXXXXXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXX #XXXX. Additional statement(s) are missing for each account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7941320 | N/A | N/A | |||||
| XXXX | 2137731 | Closed | 2026-03-06 07:51 | 2026-03-06 12:04 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender clarification received that the XXXXX Bank accounts were not used. Further documentation is not required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXX XXXX XXXX XXXX XXXXXXXXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXX #XXXX. Additional statement(s) are missing for each account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender clarification received that the XXXXX Bank accounts were not used. Further documentation is not required. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7970727 | N/A | N/A | |||||
| XXXX | 2137735 | Closed | 2026-03-05 11:02 | 2026-03-06 11:56 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7949130 | N/A | N/A | |||||
| XXXX | 2137729 | Closed | 2026-03-05 07:27 | 2026-03-06 11:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7942045 | N/A | N/A | |||||
| XXXX | 2137729 | Closed | 2026-03-05 07:12 | 2026-03-05 08:50 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-The Application is missing from this loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX XXXXXXXXXXX XX XXXX XXXXX (X).XXX | XX | Investment | Refinance | Cash Out - Other | 7941672 | N/A | N/A | ||||
| XXXX | 2137736 | Closed | 2026-03-05 08:18 | 2026-03-06 11:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7943370 | N/A | N/A | |||||
| XXXX | 2137734 | Closed | 2026-03-05 11:54 | 2026-03-06 11:58 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7950224 | N/A | N/A | |||||
| XXXX | 2137733 | Closed | 2026-03-05 12:36 | 2026-03-06 12:00 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7951091 | N/A | N/A | |||||
| XXXX | 2137732 | Closed | 2026-03-06 07:09 | 2026-03-06 12:02 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7969941 | N/A | N/A | |||||
| XXXX | 2137732 | Closed | 2026-03-06 07:00 | 2026-03-06 10:53 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title (the Warranty Deed) has been provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Unsatisfactory Chain of Title provided The Warranty Deed for the transfer of ownership from 'X. XXXXX XXXXXXX, XX, a XXXXX Limited Partnership' to 'XXXXXX XXX XX XXXXXXXXX XXX, a XXXXXXXX limited liability company' is missing from this loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Satisfactory Chain of Title (the Warranty Deed) has been provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXX XX.XXX | XX | Investment | Refinance | Cash Out - Other | 7969767 | N/A | N/A | ||||
| XXXX | 2137730 | Closed | 2026-03-06 08:45 | 2026-03-06 12:07 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-we intentionally underwrote to XXXk, this was our internal valuation. - XXXXXX-XX/XX/XXXX Resolved-Loan treated as a Data Discrepancy in lieu of a supporting doc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Counter-Is there a document to validate a value of $XXXk? Or is this just a data discrepancy? - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-we underwrote file to XXXk value. should be no issue. - XXXXXX-XX/XX/XXXX Open-Per documentation in the file as well as tape data, the qualifying value was $XXX,XXX with a corresponding LTV of XX%. However, per the XXXX and the Collateral Desktop Analysis, the value is $XXX,XXX. Audit is unable to determine a source of the $XXX,XXX value used. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-we intentionally underwrote to XXXk, this was our internal valuation. - XXXXXX-XX/XX/XXXX Ready for Review-we underwrote file to XXXk value. should be no issue. - XXXXXX-XX/XX/XXXX |
Resolved-Loan treated as a Data Discrepancy in lieu of a supporting doc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7971920 | N/A | N/A | |||||
| XXXX | 2137730 | Closed | 2026-03-06 08:35 | 2026-03-06 12:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per XXXXX XXXXX XXXX XXXX XXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXXX #XXXX. Additional statement(s) are missing for each account. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - XXXXXX-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Lender clarification received that the XXXXXX XXXX accounts were not used. Further documentation is not required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 7971706 | N/A | N/A | |||||
| XXXX | 2137727 | Closed | 2026-03-06 10:23 | 2026-03-06 12:09 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Lender clarification received that the XXXXX XXXX accounts were not used. Further documentation is not required. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX _xXXXX_ Open-Asset Record X Does Not Meet G/L Requirements Per XXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXX XX/XX/XXXX (page XX of XX): X months most recent statements are needed for checking accounts. There is only a X/XX-X/XX statement (X month) for XXXXX #XXXX; and only a X/XX-X/XX statement (X days) for XXXXX #XXXX. Additional statement(s) are missing for each account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This transaction is a cash out refinance and no funds in the XXXXXX bank account are not being used for liquidity reserves. The cash out proceeds are more than sufficient to cover XX+ months reserves. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Lender clarification received that the XXXXX XXXX accounts were not used. Further documentation is not required. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XX | Investment | Refinance | Cash Out - Other | 7974821 | N/A | N/A | |||||
| XXXX | 2137741 | Closed | 2026-03-05 09:57 | 2026-03-06 06:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The Final XXXX is Missing Unable to locate the loan application in the file. Please provide the loan application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX XXX XXXXXXXXXX XXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7947415 | N/A | N/A | ||||
| XXXX | 2137741 | Closed | 2026-03-04 04:50 | 2026-03-05 10:50 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ |
Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXXXXX Acknowledged - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XX | Investment | Refinance | Cash Out - Other | 7913864 | Investor Post-Close | No | |||||
| XXXX | 2143063 | Closed | 2026-03-11 02:45 | 2026-03-20 06:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. File is missing the lender's Bank Statement calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8036308 | N/A | N/A | ||||
| XXXX | 2143063 | Closed | 2026-03-19 06:22 | 2026-03-20 06:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Borrower X Business Bank Statements Missing Per the lender's Bank Statement calculation worksheet, there were X bank statements used that were not provided to XXXXXX: August XXXX ($X,XXX,XXX.XX in deposits) and August XXXX ($XXX,XXX.XX in deposits). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXX_XXXX-XX-XX (X).XXX_XXXXX_ XXXXX_XXXX-XX-XX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | 8207412 | N/A | N/A | ||||
| XXXX | 2143063 | Closed | 2026-03-11 11:13 | 2026-03-19 06:20 | Resolved | 1 - Information | C | A | Credit | Credit | DTI unknown | Resolved-Lender's DTI provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. total liabilities on credit report equaling a payment of $XX,XXX + monthly mortgage payment for this property is $X,XXX.XX totaling $XX,XXX.XX divided by monthly qualifying income from bank statement analysis ($XXX,XXX.X) = ~X.XX% DTI. - Seller-XX/XX/XXXX _xXXXX_ Counter-Income worksheet received. However, it does not list a lender DTI. In fact, it says "DTI has not been calculated." Was a DTI calculated for this loan? - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Loan qualified with a XX month Bank Statement calculation. Per XX/XX/XXXX guidelines (Bank Statement addendum), the maximum allowable DTI for qualification is XX%. However, the file is missing documentation of what the lender's qualifying DTI was. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. total liabilities on credit report equaling a payment of $XX,XXX + monthly mortgage payment for this property is $X,XXX.XX totaling $XX,XXX.XX divided by monthly qualifying income from bank statement analysis ($XXX,XXX.X) = ~X.XX% DTI. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender's DTI provided. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX_XXXXX_ XXXXX XXXX XXX (X).XXX |
XX | Investment | Refinance | Cash Out - Other | 8051020 | N/A | N/A | ||||
| XXXX | 2143063 | Closed | 2026-03-11 11:26 | 2026-03-19 06:02 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing proof of ownership for Primary Residence shown on 1003 | Resolved-Evidence of Property Tax and no HOA received. Per verbal statement, there is no Insurance. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. HOI is not needed on primary if free and clear. HOA is difficult to prove borrower does not pay for HOA but found the attached on XXXXXX. Link https://www.XXXXXX.com/homedetails/XXXX-XXXXXXXX-XXX-XXXXXX-XX-XXXXX/XXXXXXXX_zpid/ If this does not clear this exception please advise on what proof is needed to be provided. - Seller-XX/XX/XXXX _xXXXX_ Counter-Noted that the primary residence is owned free & clear, so there is no mortgage. Proof of property taxes received. However, there was no evidence of Homeowner's Insurance and whether or not there is HOA on this primary. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. primary is owned free and clear, proof of paid taxes attached - Seller-XX/XX/XXXX _xXXXX_ Open-For DTI purposes, file is missing evidence of the Primary Residence expense (XXXX XXXXXXXX XXX, XXXXXX, XX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HOI is not needed on primary if free and clear. HOA is difficult to prove borrower does not pay for HOA but found the attached on XXXXXX. Link https://www.XXXXXX.com/homedetails/XXXX-XXXXXXXX-XXX-XXXXXX-XX-XXXXX/XXXXXXXX_zpid/ If this does not clear this exception please advise on what proof is needed to be provided. - Seller-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. primary is owned free and clear, proof of paid taxes attached - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Evidence of Property Tax and no HOA received. Per verbal statement, there is no Insurance. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXX XXXXX XXX .XXX_XXXXX_ XXXXXXXX-XXXXXX-XXXX-XXXXXX-XX-XX-XX-XXX-XXXX-XXXX-XXXX-XXXXXX-XXXX.XXX_XXXXX_ XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8051310 | N/A | N/A | ||||
| XXXX | 2147745 | XXXX | Closed | 2026-03-05 09:30 | 2026-03-09 08:29 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Lender provided updated appraisal (table of contents picture updated to subject property) - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-The first page of the appraisal report (Table of Contents) has a picture of a property that is not the subject nor does it appear to match any comps and it shows listed for sale.. appraisal to be corrected. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Lender provided updated appraisal (table of contents picture updated to subject property) - finding resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXX XXXX XX(X)_XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7946780 | N/A | N/A | |||
| XXXX | 2147745 | XXXX | Closed | 2026-03-05 08:12 | 2026-03-05 23:39 | Resolved | 1 - Information | C | A | Credit | Credit | Missing initial application | Resolved-Requested initial XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Missing initial XXXX to confirm the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Requested initial XXXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7943228 | N/A | N/A | |||
| XXXX | 2147746 | XXXX | Closed | 2026-03-05 11:16 | 2026-03-11 12:50 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXX_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_ Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation for XXX XXXXXXXXXX XXX as they are XXX% owner of XXX XXXXXXX XXX per the article of incorporation for XXX XXXXXXX XXX, Certificate of Good Standing required for both LLC's as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX_xXXXX_ |
XXXXXXXX XX XXXXXXXXXXXX - XXX XXXXXXXXXX XXX.XXX_XXXXX_ XXXXXXXXXXX XX XXXXXXX XXXXXXXXX - XXX XXXXXXXXXX XXX.XXX_XXXXX_ XXXX - XXX XXXXX XXXXXXX.XXX_XXXXX_ XXXX - XXX XXXXXXXXXX XXX.XXX_XXXXX_ XXXXXXXX XX XXXXXXXXXXXX - XXX XXXXX XXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 7949506 | N/A | N/A | |||
| XXXX | 2147746 | XXXX | Closed | 2026-03-04 22:01 | 2026-03-05 23:36 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated FICO of XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-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' and Qualifying FICO from the Credit Liabilities Page is 'XXX' considered fico from credit report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated XXXX with updated FICO of XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7935204 | N/A | N/A | |||
| XXXX | 2144939 | Closed | 2026-03-17 12:38 | 2026-03-18 06:02 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The application for this subject transaction is missing from the loan file. (The application provided is for a different borrower/property/loan.) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX - XXX XXXXXXXX XXX - XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8160938 | N/A | N/A | ||||
| XXXX | 2144939 | Closed | 2026-03-16 02:34 | 2026-03-18 06:00 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8119832 | Investor Post-Close | No | ||||
| XXXX | 2143062 | Closed | 2026-03-16 02:14 | 2026-03-17 13:32 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Business formation docs provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Articles of Incorporation or other comparable business formation documents are missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business formation docs provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXXXXXXXXXXXXXXX XX XXXXXXX XXXXXXXXXX XXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8119739 | N/A | N/A | ||||
| XXXX | 2143062 | Closed | 2026-03-16 02:17 | 2026-03-17 13:31 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN document received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-IRS evidence of the Business Entity EIN number is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-EIN document received. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXXXXXXXXX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8119757 | N/A | N/A | ||||
| XXXX | 2143062 | Closed | 2026-03-16 02:06 | 2026-03-17 13:29 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8119714 | Investor Post-Close | No | ||||
| XXXX | 2151713 | Closed | 2026-03-12 15:25 | 2026-03-25 03:32 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Acknowledged-Individual assistance is a NO - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX Counter-Thank you for providing property inspection however, exterior photos are required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX |
Acknowledged-Individual assistance is a NO - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX_XXXXX_ XXXXXXX_XXXXXX XXXXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8082206 | Originator Post-Close | No | ||||
| XXXX | 2151713 | Closed | 2026-03-09 05:59 | 2026-03-11 02:13 | 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 - 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. CDA - Seller-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 the Guideline version XX/XX/XXXX on page#XX, 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 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. In file we have Collateral Desk Review on page#XXX, CU Score is X.X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7991833 | N/A | N/A | ||||
| XXXX | 2151713 | Closed | 2026-03-09 06:44 | 2026-03-11 02:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in file, provided updated Fraud Report, changes made In system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Per the guideline Version XX/X/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerts in file, provided updated Fraud Report, changes made In system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 7993595 | N/A | N/A | ||||
| XXXX | 2143064 | Closed | 2026-03-12 07:34 | 2026-03-12 12:57 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Quit Claim Deed has been provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Unsatisfactory Chain of Title provided Quit Claim Deed (or other transfer deed) from XXXXXX XXXXXXXXX individually to XXXXXXXX XXXX XXX, is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Satisfactory Quit Claim Deed has been provided. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8068979 | N/A | N/A | ||||
| XXXX | 2143068 | Closed | 2026-03-17 13:18 | 2026-03-18 06:05 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Application is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Application received. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXX XXX - XXXX XXX - XXXXXX.XXX | XX | Investment | Purchase | NA | 8161989 | N/A | N/A | ||||
| XXXX | 2143068 | Closed | 2026-03-16 04:21 | 2026-03-18 06:03 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged XXXXn acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XXXX acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Purchase | NA | 8121294 | Investor Post-Close | No | ||||
| XXXX | 2151711 | Closed | 2026-03-16 06:26 | 2026-03-24 07:03 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Proof for exchange funds uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX Exhange - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Unable to verify proceeds from sale amount of $XXXXX. Provide the proof of proceeds from sale amount of $XXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX Exhange - Seller-XX/XX/XXXX |
Resolved-Proof for exchange funds uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX.XXX | XX | Investment | Purchase | NA | 8122798 | N/A | N/A | ||||
| XXXX | 2151711 | Closed | 2026-03-16 06:06 | 2026-03-24 03:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months Rent Receipts provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rent History and Seller Certficate - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Unable to verify the XX months housing history for current address "XXXX XXXX", ( X months verified from page #XXX -XXX, reporting as X months for XX months variable.) missing Jun, May & April XXXX rent payments. Provide the VOR for the same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rent History and Seller Certficate - Seller-XX/XX/XXXX |
Resolved-Requested XX Months Rent Receipts provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX.XXX_XXXXX_ XXXXXXX_XXXXXX XXXXXXXXXXX.XXX |
XX | Investment | Purchase | NA | 8122515 | N/A | N/A | ||||
| XXXX | 2151714 | Closed | 2026-03-16 04:01 | 2026-03-26 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Business account XXXX is vested entity which GL allows XXX% use of funds. LOX in file for XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Certification - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide the letter of explanation showing the borrower has authorized access to all funds from account #XXXX (Business Account page #XX, borrower ownership XX% & other member XX% page #XXX) as per GL XX.XX.XXXX page #XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Seller Certification - Seller-XX/XX/XXXX |
Resolved-Business account XXXX is vested entity which GL allows XXX% use of funds. LOX in file for XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXXX XXXXXXXXXXX.XXX | XX | Investment | Purchase | NA | 8121061 | N/A | N/A | ||||
| XXXX | 2151714 | Closed | 2026-03-16 03:39 | 2026-03-26 07:55 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Primary Appraisal | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - This is a condo. Since the owner only owns the individual unit we do not take the lot size into account - Seller-XX/XX/XXXX Counter-Appraiser to provide lot size. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX Counter-Provide the full appraisal (interior/exterior) XXXX. The provided is the STR market exterior only report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX Open-Primary Value has not been selected Appraisal document is missing in file . Provide Appraisal document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal - This is a condo. Since the owner only owns the individual unit we do not take the lot size into account - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXXXXXX.XXX_XXXXX_ XXXXXXXXX.XXX_XXXXX_ XXXXXXXXX.XXX |
XX | Investment | Purchase | NA | 8120920 | N/A | N/A | ||||
| XXXX | 2151714 | Closed | 2026-03-16 03:19 | 2026-03-25 06:43 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-Borrower is an individual guarantor. Borrower signed guaranty form. Spousal consent not provided, client acknowledges - Due Diligence Vendor-XX/XX/XXXX Resolved-Spousal Consent not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is not required as property is vesting in an LLC - Seller-XX/XX/XXXX Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Borrower is married and signed individually, Evidence of spousal consent is missing. Provide evidence of spousal consent document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is not required as property is vesting in an LLC - Seller-XX/XX/XXXX |
Acknowledged-Borrower is an individual guarantor. Borrower signed guaranty form. Spousal consent not provided, client acknowledges - Due Diligence Vendor-XX/XX/XXXX Resolved-Spousal Consent not required, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Purchase | NA | 8120808 | Originator Post-Close | No | |||||
| XXXX | 2151714 | Closed | 2026-03-17 13:42 | 2026-03-19 09:23 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Property Guard provided for the subject STR per GL. - Due Diligence Vendor-XX/XX/XXXX Open-GL X.X.X.X requires a Property Guard report in addition to the XXXX in the file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Property Guard - Seller-XX/XX/XXXX |
Ready for Review-Document Uploaded. Property Guard - Seller-XX/XX/XXXX |
XXXXXXXX XXXXX.XXX | XX | Investment | Purchase | NA | 8162638 | N/A | N/A | |||||
| XXXX | 2151714 | Closed | 2026-03-16 05:34 | 2026-03-19 01:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. Provide the cleared report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | 8122115 | N/A | N/A | ||||
| XXXX | 2151714 | Closed | 2026-03-16 02:58 | 2026-03-18 01:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document with applicable riders uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Security Instrument with Riders - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Provide the DOT with all applicable riders. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Security Instrument with Riders - Seller-XX/XX/XXXX |
Resolved-Deed of Trust document with applicable riders uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXXXXX XXXXXXXXXX.XXX | XX | Investment | Purchase | NA | 8119950 | N/A | N/A | ||||
| XXXX | 2151701 | Closed | 2026-03-17 06:20 | 2026-03-30 09:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history for primary and previous primary 0xXXxXX XXX, XXXXXX XXXXXXXX & XXXXXXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History for current home and Seller Certificate - Seller-XX/XX/XXXX Counter-Housing history on the provided seller cert states that it is for the current primary. It appears to be the previous primary second lien. Provide the first lien housing history (XX months) for XXX XXXXXXX XXXXXX (XXXXX XX #XXXX). - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower lives in primary for X months , need previous address VOM to verify complete housing history, provided VOM for previous property, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History and Seller Certificate - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Require VOM to verify primary housing history for property XXXX XXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Housing History for current home and Seller Certificate - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Housing History and Seller Certificate - Seller-XX/XX/XXXX |
Resolved-Housing history for primary and previous primary 0xXXxXX XXX, XXXXXX XXXXXXXX & XXXXXXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower lives in primary for X months , need previous address VOM to verify complete housing history, provided VOM for previous property, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXX_XXXXXX XXXXXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8147186 | N/A | N/A | ||||
| XXXX | 2151701 | Closed | 2026-03-17 23:55 | 2026-03-23 03:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-There are Uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Third Party Fraud Report document missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerts in fraud report, provided updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8175317 | N/A | N/A | ||||
| XXXX | 2151708 | Closed | 2026-03-17 07:28 | 2026-03-30 06:44 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Resolved-PCCD uploaded with no assumption not allowed. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX Open-Provide updated final CD as the on file has assumption marked as will allow under certain conditions. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD - Seller-XX/XX/XXXX |
Resolved-PCCD uploaded with no assumption not allowed. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8148898 | N/A | N/A | ||||
| XXXX | 2151708 | Closed | 2026-03-17 06:25 | 2026-03-30 01:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-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 XXXX.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Business Purpose Affidavit Disclosure - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' 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 XXXX loan. Provide Business Purpose Affidavit document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Business Purpose Affidavit Disclosure - Seller-XX/XX/XXXX |
Resolved-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 XXXX.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX XX XXXXXXXX XXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8147262 | N/A | N/A | ||||
| XXXX | 2151708 | Closed | 2026-03-17 06:54 | 2026-03-24 04:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-As per the attached HOI Policy in findings there is no current mortgage on borrower primary hence considered borrower primary as free & clear. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. REO Documentation - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Per GL XX.XX.XXXX page #XX, XX-month housing history required for primary residence. Hence, provide proof of document verifying XX months housing history as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. REO Documentation - Seller-XX/XX/XXXX |
Resolved-As per the attached HOI Policy in findings there is no current mortgage on borrower primary hence considered borrower primary as free & clear. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXXXX XXX XX XXXXXXXXX.XXX_XXXXX_ XXX XXXXXXXXXXXXX.XXX |
XX | Investment | Refinance | Cash Out - Other | 8147960 | N/A | N/A | ||||
| XXXX | 2151708 | Closed | 2026-03-17 06:45 | 2026-03-20 02:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty Agreement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty agreement as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX |
Resolved-Guaranty Agreement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8147618 | N/A | N/A | ||||
| XXXX | 2151708 | Closed | 2026-03-17 06:45 | 2026-03-19 12:29 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
XX | Investment | Refinance | Cash Out - Other | 8147619 | Investor Post-Close | No | ||||||
| XXXX | 2144471 | Closed | 2026-03-18 03:35 | 2026-03-24 06:20 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XXXXXXXXX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XX XXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8177426 | Investor Post-Close | No | ||||
| XXXX | 2144471 | Closed | 2026-03-18 04:42 | 2026-03-24 00:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Executed HUD-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The HUD-X Settlement Statement provided is not executed by neither the borrower nor the Settlement Agent. Unable to determine if this is the true final HUD-X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed HUD-X provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXX XXXXXX XXX XXXX XXXXX XXXXXXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8178288 | N/A | N/A | ||||
| XXXX | 2151716 | Closed | 2026-03-18 05:00 | 2026-03-24 01:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8179062 | N/A | N/A | ||||
| XXXX | 2151716 | Closed | 2026-03-18 04:41 | 2026-03-23 03:19 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ 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 Provide Secondary Valuation report with CU scores - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Requested Secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8178275 | N/A | N/A | ||||
| XXXX | 2144472 | Closed | 2026-03-23 15:32 | 2026-03-27 11:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-LTV XX%, FICO XXX only X months post close reserves required. Audited XX+ months reserves. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Reserves covered. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. borrower is getting back $XXXk back on this purchase. On line item XXX it reflects a reimbursement for down payment IAO $XXX,XXX. I also uploaded documents sourcing the deposits. Uploaded the bank statements as well, liquidity/reserves shouldn't be an issue. - Seller-XX/XX/XXXX _xXXXD_ Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower is getting back $XXXk back on this purchase. On line item XXX it reflects a reimbursement for down payment IAO $XXX,XXX. I also uploaded documents sourcing the deposits. Uploaded the bank statements as well, liquidity/reserves shouldn't be an issue. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-LTV XX%, FICO XXX only X months post close reserves required. Audited XX+ months reserves. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Reserves covered. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXX XX XXX XXXX.XXX_XXXXX_ XXXX XXXXXXXX XXXXXXXXX XXXXXXXX XX.XXX_XXXXX_ XXXX XXXXX XX XXXX XXXX XXXXXXXX XXX XXX XX XXXX XX XXX.XXX_XXXXX_ XXX XXXXX XXX.XXX_XXXXX_ XXX #XXXX $XXX .XXX_XXXXX_ XXX #XXXX $XXX .XXX |
XX | Investment | Purchase | NA | 8275139 | N/A | N/A | ||||
| XXXX | 2144472 | Closed | 2026-03-23 15:07 | 2026-03-26 08:18 | Resolved | 1 - Information | C | A | Credit | Title Review | HEI: Title vesting does not match. | Resolved-Proforma provided with correct business vesting on title. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. apologies, misunderstood what was being asked. Proforma uploaded reflecting XXXXXXXX XXXXXXXX XXXXXXXXXX XXX. - Seller-XX/XX/XXXX _xXXXD_ Counter-The title vesting is incorrect. Not the insurance. The title should have XXXXXXXX XXXXXXXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Proposed insured is XXXXXXXX XXXXXXXX XXX. and other documents have XXXXXXXX XXXXXXXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. apologies, misunderstood what was being asked. Proforma uploaded reflecting XXXXXXXX XXXXXXXX XXXXXXXXXX XXX. - Seller-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Proforma provided with correct business vesting on title. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXX XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXXXXXXXXXXXXXXXXXXXXXX.XXX |
XX | Investment | Purchase | NA | 8274664 | N/A | N/A | ||||
| XXXX | 2144472 | Closed | 2026-03-18 23:05 | 2026-03-26 08:16 | Resolved | 1 - Information | B | A | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Resolved-XXXXXXXXX does accept theXXXX in an LLC. The email supporting the acceptance is in the guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-XXXXXXXXX does accept the XXXX in an LLC. The email supporting the acceptance is in the guidelines. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXXXX XX XXX.XXX | XXXXXXXX XXXXXXX XXXX. | XX | Investment | Purchase | NA | 8203336 | N/A | N/A | |||
| XXXX | 2144940 | Closed | 2026-03-23 11:34 | 2026-03-24 08:10 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_ Open-The loan application provided is blank. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Application provided. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXX XXXXX XXXX XXXXXXXXXXX XXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8269138 | N/A | N/A | ||||
| XXXX | 2151707 | Closed | 2026-03-23 09:59 | 2026-03-27 03:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleard alerts in fraud report, provided updated fraud report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXD_ Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-There are Uncleard alerts in fraud report, provided updated fraud report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | 8266957 | N/A | N/A | ||||
| XXXX | 2151707 | Closed | 2026-03-25 10:59 | 2026-03-26 06:16 | 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 - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX _xXXXD_ Open-Final HUD-X Document is Missing. Need the final executed hud one in file is signed by the seller only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXX_XXXXX XX.XXX | XX | Investment | Purchase | NA | 8315912 | N/A | N/A | ||||
| XXXX | 2151707 | Closed | 2026-03-23 08:57 | 2026-03-26 05:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX _xXXXD_ 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 Provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXX_XXXXXXX XXX.XXX | XX | Investment | Purchase | NA | 8264694 | N/A | N/A | ||||
| XXXX | 2151712 | Closed | 2026-03-19 21:46 | 2026-03-25 05:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-There are uncleared alerts in fraud report, Provided updated fraud report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX _xXXXD_ Open-Provide Third party fraud report which shows uncleared alerts as it is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-There are uncleared alerts in fraud report, Provided updated fraud report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 8228327 | N/A | N/A | ||||
| XXXX | 2151712 | Closed | 2026-03-19 21:42 | 2026-03-25 05:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-tax value incorrect in XXXX, Provided updated XXXX, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX _xXXXD_ Open-The XXXX document is missing from the loan file. Provide the updated XXXX with Monthly Property Tax premium amount showing as per Final CD on page#XXX. Monthly Property Taxes showing as $XXX, but XXXX document on page#XXX Monthly Property Taxes showing as $XXX.XX.. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX_xXXXD_ |
Resolved-tax value incorrect in XXXX, Provided updated XXXX, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_ Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |
XXXX.XXX | XX | Primary Residence | Purchase | NA | 8228323 | N/A | N/A | ||||
| XXXX | 2151712 | Closed | 2026-03-19 03:50 | 2026-03-25 13:02 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - 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 Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,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,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. The 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 |
Resolved-The 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)(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 Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX,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,XXX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 8206002 | N/A | N/A | ||||||
| XXXX | 2151719 | Closed | 2026-03-20 00:14 | 2026-03-25 16:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Updated asset page copy of wire received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gift funds - Seller-XX/XX/XXXX Open-Asset X Does Not Meet Guideline Requirements Provide proof of document for gift funds of $XX,XXX as it is not located in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Gift funds - Seller-XX/XX/XXXX |
Resolved-Updated asset page copy of wire received - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX.XXX | XX | Primary Residence | Purchase | NA | 8229010 | N/A | N/A | ||||
| XXXX | 2151709 | Closed | 2026-03-20 03:52 | 2026-03-26 05:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Provide third party fraud report document with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Purchase | NA | 8230820 | N/A | N/A | ||||
| XXXX | 2151709 | Closed | 2026-03-20 03:26 | 2026-03-24 12:33 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Freddie SSR - Seller-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 Provide updated Secondary Valuation report with CU scores - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Primary Residence | Purchase | NA | 8230613 | N/A | N/A | ||||
| XXXX | 2151709 | Closed | 2026-03-20 04:30 | 2026-03-24 10:06 | 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.X%). 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.X%).(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 Final Closing disclosure on Pg #XXX-XXX 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 copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. 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-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). 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.X%).(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 Final Closing disclosure on Pg #XXX-XXX 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 copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XX | Primary Residence | Purchase | NA | 8231195 | N/A | N/A | ||||||
| XXXX | 2144470 | Closed | 2026-03-23 21:38 | 2026-03-26 07:38 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-XXX% replacement cost provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Florida will not issue lender RCE but we have email confirmation that there is XXX% RCE coverage on this property. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of XXXXXX is Less than Loan Amount of XXXXXX. Please provide documentation to support sufficient hazard coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Florida will not issue lender RCE but we have email confirmation that there is XXX% RCE coverage on this property. - Seller-XX/XX/XXXX |
Resolved-XXX% replacement cost provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXXX XXXX XXXXX XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8278822 | N/A | N/A | ||||
| XXXX | 2144470 | Closed | 2026-03-25 09:46 | 2026-03-26 07:25 | Resolved | 1 - Information | B | A | Credit | Credit | Incomplete application | Resolved-Corrected application provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan application in file reflects a different zip code for the subject property than the closing docs. Please correct the zip code to match. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Corrected application provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX - XXXX XXXXX XXXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8314137 | N/A | N/A | ||||
| XXXX | 2144473 | Closed | 2026-03-23 06:05 | 2026-03-25 12:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. c/o proceeds used from borrower other transaction (hud uploaded). XXXX XXXXXX XXXXX (XXXXXXXXXX) - Seller-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Per matrix required reserves is X months + Founds to close $XX,XXX.XX . of the loan file total verified assets $XX,XXX.XX, actual required $XXX,XXX.XX - reserve & Founds to close short of -$XXXXX.X provide additional asset Document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. c/o proceeds used from borrower other transaction (hud uploaded). XXXX XXXXXX XXXXX (XXXXXXXXXX) - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX XXX.XXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8261328 | N/A | N/A | ||||
| XXXX | 2144473 | Closed | 2026-03-23 06:05 | 2026-03-25 12:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender Exception Approval received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Audited Loan Amount is $XX,XXX which is less than Guideline Minimum Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Lender Exception Approval received. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXXX XXXXXXXXX XXXXXXXX.XXX | (X) XXXXXX XXXX XX X.XXXX. (X) XXX XXX XX XX% XX XXXXX XXX XXXXXXXXX XX XX%. (X) XXXXXX XXXXXXXX; XXX XXXXXXX XXXX XXXX X XXXXXXXXXXXX XXXXX. |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 8261327 | Originator Post-Close | Yes | |||
| XXXX | 2151704 | Closed | 2026-03-25 05:52 | 2026-04-01 10:52 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Per the GL XX.XX.XXXX page #XX a clear fraud report is required. The fraud report in file (page #XXX) has an uncleared alert. Provide the updated fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Investment | Purchase | NA | 8308658 | N/A | N/A | ||||
| XXXX | 2151699 | Closed | 2026-03-26 22:39 | 2026-04-01 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX Open-Provide updated Third Party document with uncleared alerts as it is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8352275 | N/A | N/A | ||||
| XXXX | 2151699 | Closed | 2026-03-26 22:24 | 2026-03-31 01:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Provide updated Secondary Valuation document with CU scores as it is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-LCA (XXXXXXX XXX) uploaded, verified & entered in system - Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX XXXXXX_XXXXXXX XXX.XXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8352222 | N/A | N/A | ||||
| XXXX | 2151717 | Closed | 2026-03-27 00:48 | 2026-03-31 12:40 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Provide updated Secondary Valuation document with CU scores as it is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXX.XXX | XX | Investment | Purchase | NA | 8352803 | N/A | N/A | ||||
| XXXX | 2151706 | Closed | 2026-03-31 15:34 | 2026-04-01 09:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Prepayment Rider - XXXXXX-XX/XX/XXXX Open-The Note is Incomplete Provide the prepayment addendum to the Note. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Prepayment Rider - XXXXXX-XX/XX/XXXX |
Resolved-The Note is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXX.XXX | XX | Investment | Refinance | Cash Out - Other | 8414613 | N/A | N/A |