J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 304326013 | 31183384 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 05/31/2024 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 304326013 | 31183385 | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Fee Charged for Payoff Statement) | Georgia Home Loan: Impermissible fee charged for payoff statement. | xxxx | xxxx | 05/31/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304326013 | 31183386 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 06/05/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304326013 | 31183387 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,314.00. | xxxx | xxxx | 06/18/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304326013 | 31183389 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $186.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 06/17/2024 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304326013 | 31183390 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $751.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 06/04/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304326013 | 31183391 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx | 06/04/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304326013 | 31183392 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.25 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 06/13/2024 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304326013 | 31183393 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $751.00. Sufficient or excess cure was provided to the borrower. | xxxx | 06/04/2024 | 1 | A | A | A | A | A | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 304326013 | 31183394 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.25 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower. | xxxx | 06/04/2024 | 1 | A | A | A | A | A | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 304436479 | 32351357 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx | 12/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | C | A | Non QM | Non QM | No | |||||||||
| 304436479 | 32351431 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx | 12/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | C | A | Non QM | Non QM | No | |||||||||
| 304436479 | 32434663 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal indicates there is water damage to the roof. A satisfactory inspection form a certified Roof inspector is required | xxxx | 12/19/2024 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | C | A | Non QM | Non QM | No | ||||||||||
| 304438712 | 32423510 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower staying on Rent at xxxx (Rent $xxxx) from xx/xxxx to xx/xxxx as per Pay history. Missing xx/xxxx payment | xxxx | 11/20/2024 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304680597 | 33382690 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 304680597 | 33382693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 05/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304680597 | 33382694 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 05/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304680597 | 33382695 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx | 06/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304692499 | 33562360 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 06/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692499 | 33562361 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 06/03/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304692499 | 33562362 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 06/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304692499 | 33605536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx | xxxx | 06/13/2025 | 1 | A | A | A | A | A | OH | Primary | Purchase | TRID timing exception, no remediation available. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304707904 | 33875128 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 304707904 | 33875129 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 304707904 | 33875130 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 304707904 | 33875131 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 304707904 | 33875132 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 07/14/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 304707904 | 33875135 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) North Carolina High-Cost Loan (Counseling Requirement) | North Carolina High-Cost Loan: No evidence borrower received home-ownership counseling by an approved NC Housing Finance Agency. | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | See any available cure under the North Carolina High Cost Loan threshold exception. | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 304707904 | 33875136 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Points and Fees) | North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | 07/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 304734611 | 34098334 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | xxxx | xxxx | 07/09/2025 | 1 | D | A | D | A | D | A | D | A | D | A | WV | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 304734611 | 34098335 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | xxxx | 07/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||
| 304758713 | 34281634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception approval for non-approved AMC is found on the UW Narrative. Non approved AMC within guidelines. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC |
xxxx | 07/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304730125 | 34281643 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape requested for credit report pulled on xx/xx/xxxx and expires on xx/xx/xxxx. Request for 10 day extension approved. New expiration date is xx/xx/xxxx. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC |
xxxx | 07/25/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304730125 | 34281644 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan file contains the master operating agreement for xxxx however, does not reflect series 7 in the body of the operating agreement. The loan file is missing operating agreement for Series 7. | xxxx | 07/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304764237 | 34281796 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception is requested for lease agreement is in file with month to month terms and no 12 month lease agreement available to considering 5% LTV. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC |
xxxx | 08/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 304757920 | 34373584 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304757920 | 34373616 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 09/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304811931 | 34415509 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. | xxxx | 08/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304819409 | 34415575 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is approved for appraisal transfer subject to transfer letter and proof of paid invoice in the file. | xxxx | 08/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304819409 | 34415578 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | xxxx | 08/22/2025 | 1 | A | A | A | A | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 304769966 | 34415620 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 08/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | IN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304720358 | 34444868 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx | 06/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 304757996 | 34445144 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx | 08/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 304826754 | 34498166 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 304826754 | 34520304 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 09/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 304769950 | 34514620 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Approval granted to use alternative credit tradeline for co-borrower. Co-borrower provided 12-months of utility bills. Compensating factors DSCR > 1.70, Low LTV. xxxx+ in excess reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 08/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||
| 304734637 | 34514631 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | xxxx | xxxx | 09/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| 304734637 | 34514633 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
xxxx | 08/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 304734637 | 34514635 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
xxxx | 08/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 304824938 | 34514811 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 09/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | AL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 304856211 | 34683078 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | xxxx | 11/08/2025 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Second Home | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304856211 | 34683212 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $287.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 10/09/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 304754832 | 34734625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754832 | 34734626 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754832 | 34734627 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754832 | 34734628 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754832 | 34734629 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754833 | 34734631 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754833 | 34734632 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304754833 | 34734633 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, lender requires 100% of entity owners and guarantors to execute an authorization that allows lender to obtain credit and background reports. File is missing operating agreements of underlying sub entity owners to determine this guideline requirement was met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 07/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304860681 | 34739047 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 304860681 | 34739055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $400.00 exceeds tolerance of $300.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304824943 | 34735983 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator Originator,SitusAMC Originator,SitusAMC |
xxxx | 09/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 304824943 | 34735984 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxx | xxxx | 09/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304824943 | 34735985 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx | 09/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| 304874056 | 34775083 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | xxxx | xxxx | 10/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304874056 | 34782930 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx | 10/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304856343 | 34891897 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
754 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 11/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||
| 304873056 | 34985720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx | 01/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 34985721 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $557.00 exceeds tolerance of $274.00 plus 10% or $301.40. $255.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 12/22/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 34985722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 01/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||
| 304873056 | 35337781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | B | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304874908 | 34985031 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx | 12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 304874908 | 34985032 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx | 12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 304874908 | 34994663 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx | 11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 304874908 | 34994711 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx | 11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 304874908 | 34994816 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 11/26/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 304874908 | 34994817 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 304839631 | 35009631 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | xxxx | xxxx | 10/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 304839631 | 35009632 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | xxxx | xxxx | 10/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304828376 | 35009682 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx | 10/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304828376 | 35009683 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | xxxx | xxxx | 10/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304764190 | 35072860 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
xxxx | 08/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 304764190 | 35072861 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx | 08/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 304869313 | 35072957 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception on UW Narrative requested and approved to allow 10 day extension for current appraisal dated xx/xx/xxxx. 120-day expiration is xx/xx/xxxx. Additional 10-day granted to accommodate closing updated expiration is xx/xx/xxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 11/03/2025 | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304869315 | 35073116 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | xxxx | xxxx | 11/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304844797 | 35107551 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx | xxxx | 09/15/2025 | 2 | A | A | A | A | A | A | A | A | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | N/A | No | ||||||||||||
| 304844797 | 35107552 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception at origination for AIV being 150%+ higher than the MHP in the location of the subject. Compensating factors were cited as 768 FICO, DSCR 1.01 and experience of 8 fix and flip and 8 rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 39.60 Guideline Requirement: 6.00 Guidelines Representative FICO: 700 Representative FICO: 768 |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
xxxx | 09/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | N/A | No | ||||||||||
| 304844796 | 35107572 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception requested in file but approval not provided. Payments for subject property are paid quarterly but the language is only reflected in extension. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 63.94 Guideline Requirement: 6.00 Guidelines Representative FICO: 700 Representative FICO: 752 |
SitusAMC Originator Pre-Close,SitusAMC |
xxxx | 09/30/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 304889796 | 35235097 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx | 11/11/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||
| 304889779 | 35235188 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on UW Narrative: The Lender Exception has been requested and approved to proceed with transferred appraisal done by our approved AMC -xxxx. Transfer appraisal SFR $xxxx as-is value.C4;Kitchen updated less than one year ago. Bathrooms updated less than one year ago. The subject is in overall average condition. The kitchen and baths have been recently somewhat updated. | xxxx | 11/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304868679 | 35292366 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided | xxxx | xxxx | 10/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304868666 | 35311739 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | xxxx | xxxx | 10/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304868668 | 35311746 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx | 10/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 304868668 | 35311747 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full, or that our subject property was released from this lien. | xxxx | 10/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304868695 | 35311776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW discretion required for borrower living rent free with someone other than a spouse. | xxxx | 11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304894182 | 35314933 | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. | xxxx | xxxx | 12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305026560 | 35446604 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680 Representative FICO: 789 |
Originator,SitusAMC | xxxx | 11/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305034513 | 35794836 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
22.29 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305029162 | 35822296 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
788 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||
| 305029162 | 35831624 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx | 02/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||
| 305043844 | 35819855 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx | 03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305043844 | 35819856 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx | 03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305043844 | 35819858 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx | 03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305034455 | 35825052 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 03/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305043837 | 35821358 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | xxxx | 03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305030665 | 35822604 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
770 FICO | SitusAMC,Aggregator SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305043843 | 35843773 | Property | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo. | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| 305043833 | 35821488 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305043839 | 35821269 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | xxxx | xxxx | 03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | |||||||||||||
| 305043839 | 35825031 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.13 is greater than the minimum required DSCR of 1.00. | Aggregator | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | ||||||||||
| 305043839 | 35825949 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Rate/Term | C | A | C | A | C | A | N/A | No | |||||||||||||
| 305034436 | 35829433 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx | 02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305034436 | 35831235 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | xxxx | xxxx | 02/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305043859 | 35822780 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305034451 | 35820948 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 99 months reserves. | SitusAMC,Aggregator | xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305034462 | 35820894 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 305034462 | 35824481 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | xxxx | xxxx | 03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | |||||||||||||
| 305030669 | 35834752 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305043819 | 35834788 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305054777 | 35995225 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | 03/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305054777 | 35995226 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx | 03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305054777 | 35995236 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305054789 | 36047152 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
767 FICO | SitusAMC,Aggregator SitusAMC |
xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054789 | 36047169 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
767 FICO | SitusAMC,Aggregator SitusAMC |
xxxx | 03/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305054789 | 36047195 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
767 FICO | SitusAMC,Aggregator SitusAMC |
xxxx | 03/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054748 | 35965535 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
794 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305029030 | 35858454 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
54 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 04/10/2026 | 2 | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | ||||||||||||||
| 305054765 | 36038647 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
24.18 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054751 | 35848183 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per Fraud Report dated xx/xx/xxxx, there is red flag related to borrower's SSN, that was not addressed. Verification of the borrower's SSN not provided. | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305054776 | 35849717 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 49.73 months reserves. | SitusAMC,Aggregator | xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054756 | 35945838 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception request to proceed with comps at excessive distance. Marked Urban, map shows on edge of suburban. Additional comps found. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
24.80 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305054756 | 35948364 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
24.80 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305054731 | 35925901 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
73.65 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054715 | 35850064 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. |
31.27 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305054741 | 35995492 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
193.33 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305054741 | 35996749 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to utilize 90% of market rents without one of the units being rented, the property has been owned greater than 180 days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
193.33 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305050337 | 35926979 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
59.68 months reserves | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305054779 | 35999628 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | xxxx | 03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305051445 | 35848907 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,534.80 exceeds tolerance of $-7,928.55. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 304825011 | 35850607 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 09/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304825011 | 35850608 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx | 01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304889869 | 35850632 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | xxxx | xxxx | 01/04/2026 | 1 | C | A | C | A | C | A | C | A | D | A | OH | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305034494 | 35850636 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The approval in file requires verification of first month's rent and security deposit. The loan file only documents one of the payments being received. Missing additional documentation of $xxxx being received by Guarantor. | xxxx | 12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305024371 | 35850652 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | - | xxxx | Borrower has owned the subject property for at least 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrower has owned the subject property for at least 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 12/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305024371 | 35850653 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305034474 | 35850660 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Debt Service Coverage Ratio: 1.57 Guideline Requirement: 1.00 Guidelines Representative FICO: 680 Representative FICO: 759 |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 12/18/2025 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305034460 | 35850673 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. | xxxx | 01/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305034466 | 35850676 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | xxxx | 01/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 304894604 | 35861307 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx | 01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304894604 | 35861308 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx | 01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304894604 | 35861309 | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided | xxxx | xxxx | 01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304894604 | 35861310 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 01/15/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304894604 | 35861311 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 58.42723% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx | 01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304894604 | 35861313 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $2,417.00 exceeds tolerance of $1,695.00. $722.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 01/16/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304894604 | 35861314 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 01/16/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304894604 | 35861315 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $341.00 exceeds tolerance of $321.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 12/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304894604 | 35861316 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $250.00 exceeds tolerance of $125.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 12/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 304894604 | 35861317 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx | 12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304894604 | 35861318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305047151 | 35891258 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305047151 | 35891289 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $535.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 02/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305047151 | 35906105 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | xxxx | xxxx | 04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305060916 | 36016515 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 127 months reserves | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060927 | 36017009 | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | ||||||||||
| 305060927 | 36017013 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||
| 305060927 | 36017045 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||
| 305060919 | 36017189 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 115 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060915 | 36016689 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 119 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060885 | 36016281 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 19.65 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060922 | 35996122 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060922 | 36016474 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for property value being lower than the minimum guideline requirement of $75,000, actual is $xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060922 | 36016768 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060906 | 35996076 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
753 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305060543 | 35964038 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower has owned the subject property for at least 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
60% LTV | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060450 | 35996089 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305060841 | 36009605 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||
| 305060828 | 36008031 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | xxxx | xxxx | 03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060828 | 36009615 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| 305060578 | 36007782 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305060488 | 36000477 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
536.83 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060488 | 36000616 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing evidence of security deposits and first month's rent for the new leases, lender approved exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
536.83 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060474 | 36009616 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| 305060474 | 36009617 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| 305060567 | 36014657 | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Bankruptcy timeline outside of credit guidelines | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
46.19 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060567 | 36014709 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
46.19 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060431 | 35996487 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
752 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305060923 | 36016927 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060923 | 36016928 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves | SitusAMC,Aggregator | xxxx | 03/16/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060832 | 36035583 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 39.53 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060914 | 35997490 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
137 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060914 | 36016655 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
137 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060898 | 36015937 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. |
33.53 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060871 | 36037992 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 55.71 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060442 | 35968482 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the seller DSCR guidelines, the minimum square footage for any unit of a multi-family is 400. Unit #4 is listed at xxxx square feet | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
56.07 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060442 | 35968525 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305060506 | 35997901 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception request to use 100% of market rents or rental listing whichever is lower with no LTV reduction though property is owned greater than 12 months with recent rehab. Missing evidence the rehab was done in the past 60 days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
66.81 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060824 | 36089869 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | xxxx | xxxx | 03/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060497 | 35954241 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305060468 | 36011998 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
2,263 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||
| 305060468 | 36012144 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for a transferred appraisal completed by non approved AMC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
2,263 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060459 | 35998799 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060859 | 35966085 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx | 03/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305060859 | 35966157 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | xxxx | xxxx | 03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||
| 305060849 | 36008978 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305060826 | 36007555 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The property is listed as vacant and has been owned more than 6 months. The file is missing the scope of work and rental listing. | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305060825 | 35973552 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 70 months reserves | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060925 | 36030315 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 114.55 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060925 | 36030316 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 114.55 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060924 | 36016923 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060560 | 35989675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception per the UW narrative to proceed with HOI deductible at xxxx, which is over 5% of the loan amount. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
54.61538% LTV | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MO | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060921 | 36016741 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 127 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060918 | 36017102 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 118 months reserves | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060897 | 36048898 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has owned the subject property for at least 5 years. |
33.56 months reserves. | SitusAMC,Aggregator SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060893 | 36096516 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | xxxx | 03/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||
| 305060535 | 35945831 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||
| 305060879 | 35965539 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 305060549 | 35956858 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | IN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 305060926 | 36016849 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 115 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060917 | 35969951 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060892 | 35988319 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 741 FICO | Aggregator,SitusAMC | xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 305060892 | 35988337 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 741 FICO | Aggregator,SitusAMC | xxxx | 03/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060887 | 35970279 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
289.87 months reserves | SitusAMC,Aggregator SitusAMC |
xxxx | 03/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | IN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060863 | 35969173 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
103.44 months reserves. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305060835 | 35970044 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 42.5 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MO | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| 305061642 | 35933653 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305050786 | 35940640 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
Good employment history, low ratios and good credit | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx | 02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||
| 305050786 | 35940641 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305050786 | 35940642 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx | 04/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305053574 | 35944804 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305053574 | 35944805 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305053584 | 35946274 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx | 03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305053584 | 35946295 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305053584 | 35948786 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305050358 | 35967163 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305050358 | 35967306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,513.58 exceeds tolerance of $14,014.00. $499.58 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305050358 | 35967307 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $750.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305050358 | 35969207 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305050358 | 35995867 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/09/2026 | 1 | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305044783 | 35973007 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305044783 | 35973054 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305051442 | 35998318 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $514.19 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305042281 | 35996973 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,048.00 exceeds tolerance of $3,680.00. $368.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305057539 | 35998083 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $505.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305057539 | 35998084 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $245.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305060997 | 36012584 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305060997 | 36012585 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305047860 | 36034656 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $30.00 plus 10% or $33.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305047860 | 36034657 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $249.50 exceeds tolerance of $199.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305047860 | 36034658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305057525 | 36034504 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305057525 | 36034550 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061631 | 36034988 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $837.99 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305052634 | 36035370 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305059698 | 36035189 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,172.50 exceeds tolerance of $2,063.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305059698 | 36035226 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305061674 | 36046897 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305061674 | 36046898 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305057897 | 36047069 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,295.76 exceeds tolerance of $1,269.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305057897 | 36051794 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305063733 | 36072312 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | 03/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305063733 | 36074064 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the credit report, the borrower is currently $xxxx past due on xxxx #xxxx. No documentation provided to show it has been paid current or paid at close | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305046116 | 36072487 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305046116 | 36072488 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,386.00 exceeds tolerance of $0.00. $1,386.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305056376 | 36071082 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score is above 680. |
Good credit and employment history. Excellent reserves | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx | 03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305046128 | 36074217 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305063358 | 36072851 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305063358 | 36072854 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305063358 | 36072855 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305061080 | 36071735 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,768.00 exceeds tolerance of $0.00. $5,768.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305061080 | 36094598 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,768.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/19/2026 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| 305072143 | 36140834 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
781 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/31/2026 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305072147 | 36166999 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305072104 | 36177819 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305072104 | 36177839 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305072104 | 36177857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 04/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072104 | 36177858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305072140 | 36118213 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx | xxxx | 03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305072129 | 36144896 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx | 03/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305072129 | 36146236 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305072129 | 36146241 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305072129 | 36165638 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx | 04/01/2026 | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 305039466 | 36067424 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx | 02/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305039466 | 36067425 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | xxxx | xxxx | 02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305039466 | 36067426 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Exception already raised for below, duplicate exception, compliance related. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations |
xxxx | 02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039466 | 36067427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | 02/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305039466 | 36067428 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305064397 | 36080047 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,541.60 exceeds tolerance of $10,560.00. $7,981.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305055840 | 36082455 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305055840 | 36086351 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305061607 | 36086341 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305054953 | 36081591 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx | 03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 305064748 | 36094784 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/19/2026 | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305064748 | 36094785 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $133.00 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/19/2026 | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 304904416 | 36079954 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304904416 | 36079955 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304904416 | 36079956 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304904416 | 36079957 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 304904416 | 36079958 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304904416 | 36079959 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 304904416 | 36079962 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) North Carolina High-Cost Loan (Counseling Requirement) | North Carolina High-Cost Loan: No evidence borrower received home-ownership counseling by an approved NC Housing Finance Agency. | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | See any available cure under the North Carolina High Cost Loan threshold exception. | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304904416 | 36079963 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Points and Fees) | North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 304904416 | 36079964 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,539.69 exceeds tolerance of $850.00 plus 10% or $935.00. $604.69 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305058343 | 36079846 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305058343 | 36080129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. $56.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305058343 | 36083686 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $256.50 exceeds tolerance of $180.00 plus 10% or $198.00. $58.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305058343 | 36086455 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305058343 | 36253796 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $256.50 exceeds tolerance of $180.00 plus 10% or $198.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 04/08/2026 | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305057735 | 36089672 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305057735 | 36090697 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305060406 | 36089899 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305064971 | 36105866 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $624.00 exceeds tolerance of $528.00 plus 10% or $580.80. $43.20 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305063765 | 36105222 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305063765 | 36105427 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305054914 | 36114530 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305054914 | 36114531 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,416.00 exceeds tolerance of $1,365.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305060687 | 36106279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 305064396 | 36105909 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305066760 | 36118604 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $660.00 exceeds tolerance of $510.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305063797 | 36114929 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx | xxxx | 03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| 305063797 | 36114975 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $396.75 exceeds tolerance of $390.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305063797 | 36118708 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065535 | 36114256 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx | 03/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 305065535 | 36114358 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065535 | 36114361 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305031646 | 36126231 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305031646 | 36140284 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305073612 | 36131565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | xxxx | xxxx | 03/26/2026 | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| 305069726 | 36146323 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | N/A | Non QM | Yes | |||||||||
| 305069726 | 36146516 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||
| 305069726 | 36146544 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||
| 305069726 | 36146549 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||
| 305069726 | 36146553 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||
| 305063381 | 36145721 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $630.00 exceeds tolerance of $406.00 plus 10% or $446.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305053761 | 36145124 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| 305053761 | 36148786 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305069431 | 36156337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 305073697 | 36153140 | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
790 credit score. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx | 03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||
| 305069428 | 36164678 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 305069428 | 36165042 | Property | Guideline | General | Guideline | Subject property located in foreign state without appropriate documentation. | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 305069525 | 36167334 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305064051 | 36155495 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305064051 | 36155499 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,674.84 exceeds tolerance of $-11,854.84. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305064051 | 36155500 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305064051 | 36155501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $336.50 exceeds tolerance of $300.00. $36.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305064051 | 36172834 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305064051 | 36172835 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $336.50 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 305078457 | 36153205 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305069725 | 36158645 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | xxxx | 03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305069725 | 36158697 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305069725 | 36164801 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305069725 | 36164804 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305069725 | 36164821 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx | 03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305067603 | 36163757 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | NE | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065469 | 36164949 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,199.80 exceeds tolerance of $3,199.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305070061 | 36156057 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Non QM | Non QM | No | ||||||||||||
| 305070061 | 36156062 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | B | B | Non QM | Non QM | Yes | |||||||||
| 305070061 | 36163980 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | B | B | Non QM | Non QM | No | |||||||||||
| 305064741 | 36154887 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305064741 | 36164105 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $560.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305073647 | 36172661 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305073712 | 36168755 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 305073522 | 36169121 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 305073522 | 36169169 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305070120 | 36166987 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx | 04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305070120 | 36167087 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 305070120 | 36170978 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305070120 | 36170979 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305078251 | 36176442 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305078251 | 36176443 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305078251 | 36176444 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305078251 | 36176445 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $102.35 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305062306 | 36176589 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 305067105 | 36191348 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 305078246 | 36204358 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065882 | 36204438 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | 04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305065882 | 36204439 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305065882 | 36207745 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| 305065882 | 36213551 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 04/03/2026 | 1 | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 305077703 | 36222633 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305069803 | 36248141 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 305043885 | 36287537 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's Experience/Track Record |
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's Experience/Track Record. |
Originator,SitusAMC SitusAMC,Originator |
xxxx | 02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 305043885 | 36287538 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx | 02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305073758 | 36287540 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW narrative notes exception made to not require first months rent and security deposit. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
Guidelines Representative FICO: 680 Representative FICO: 761 Reserves: 144.79 Guideline Requirement: 17.89 |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 01/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 305044828 | 36290750 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | xxxx | xxxx | 02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044828 | 36290751 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | xxxx | xxxx | 02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044828 | 36290752 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx | 02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044828 | 36290753 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1. Need CPA/Tax Preparer, Operating Agreement or equivalent to confirm borrowers ownership percentage. 2. Need verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations Compliance related |
xxxx | 02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305044828 | 36290755 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx | 02/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290756 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 02/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290757 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305044828 | 36290758 | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. | xxxx | xxxx | 02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044828 | 36290759 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Borrower has one or more mortgage lates, which is not allowed per guidelines. | xxxx | xxxx | 02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044828 | 36290760 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $85.00 exceeds tolerance of $0.00. $85.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290762 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $40.00 exceeds tolerance of $0.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290763 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290764 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $450.00 exceeds tolerance of $300.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044828 | 36290765 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx | xxxx | 03/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305029889 | 36290804 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | As per guidelines Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Compliance related |
xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305029889 | 36290805 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx | 02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305029889 | 36290806 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | xxxx | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305029889 | 36290807 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject address is missing from evidence of insurance. | xxxx | xxxx | 02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305029889 | 36290808 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305029889 | 36290811 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | xxxx | xxxx | 02/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305029889 | 36290812 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305029889 | 36290813 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305029889 | 36290814 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx | xxxx | 02/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039587 | 36290816 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx | 02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039587 | 36290818 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx | 02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039587 | 36290819 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. |
xxxx | 02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039587 | 36290821 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx | 02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305039587 | 36290822 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx | 02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305039587 | 36290823 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | xxxx | xxxx | 02/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305039587 | 36290829 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 02/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MD | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305039587 | 36290830 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305039587 | 36290831 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305033648 | 36290863 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx | 02/24/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 305033648 | 36290864 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx | 03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305033648 | 36290865 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 305051878 | 36290875 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Provide CPA/Tax Preparer, Operating Agreement or equivalent confirming ownership percentage of borrower in "xxxx" and "xxxx". Also, provide CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent for "xxxx" confirming have been self-employed for at least two years in the same business. -Compliance related (Duplicate) |
xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305051878 | 36290877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/19/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305051878 | 36290878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290880 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290881 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290882 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290883 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | xxxx | xxxx | 03/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290884 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290885 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290886 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290887 | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290888 | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290889 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290890 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290891 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290892 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290894 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Need documentation for xxxx: 1. Confirming ownership percentage — Provide a CPA/tax preparer letter, operating agreement, or equivalent. 2. Confirming self-employment for at least two years in the same business — Provide verification from a CPA/tax preparer, regulatory agency, or applicable licensing authority. 3. A business narrative is required to describe the type of business and number of employees. 4. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following: -CPA/Tax Preparer letter confirming the business is active and operating -Evidence of current work (executed contracts or signed invoices) -Evidence of current business receipts/recent bank statement activity -Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). 5. CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal of business assets will not negatively impact the business. -Duplicate exception, credit related. |
xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290895 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Need documentation for xxxx: 1. Confirming ownership percentage — Provide a CPA/tax preparer letter, operating agreement, or equivalent. 2. Confirming self-employment for at least two years in the same business — Provide verification from a CPA/tax preparer, regulatory agency, or applicable licensing authority. 3. A business narrative is required to describe the type of business and number of employees. 4. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following: -CPA/Tax Preparer letter confirming the business is active and operating -Evidence of current work (executed contracts or signed invoices) -Evidence of current business receipts/recent bank statement activity -Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). 5. CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal of business assets will not negatively impact the business. -Duplicate exception, credit related. |
xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290896 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290897 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290898 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx | 03/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305057556 | 36290900 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290902 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx | 03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290903 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx | xxxx | 03/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290906 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305057556 | 36290907 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | xxxx | xxxx | 03/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305057556 | 36290908 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx | 03/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290909 | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided | xxxx | xxxx | 03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305057556 | 36290910 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx | 03/03/2026 | 2 | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 305057556 | 36290912 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/09/2026 | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| 305055851 | 36290921 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | A | A | C | A | Non QM | Non QM | No | |||||||||
| 305044864 | 36290935 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx | 03/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 305044864 | 36290937 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx | 02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305044864 | 36290940 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.03 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx | 02/25/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | B | D | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 305052668 | 36290947 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305052668 | 36290948 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305052668 | 36290949 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305055852 | 36290965 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | As per guidelines a Business Narrative is required from the borrower to describe the type of business and number of employees. | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305055852 | 36290966 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305055852 | 36290967 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305055852 | 36290968 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305055852 | 36290969 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305055852 | 36290970 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290979 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290980 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290981 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290982 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. | - | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061524 | 36290983 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | xxxx | xxxx | 03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290986 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290987 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290988 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290989 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. | - | xxxx | xxxx | 03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290990 | Credit | Reverification | Reverification Results | Reverification | Credit reverification revealed a new Fraud Alert. | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061524 | 36290991 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx | 03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061524 | 36290993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx | 04/29/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061524 | 36290994 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290995 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx | 04/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061524 | 36290996 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower xxxx - Require supporting income documentation for employment with “xxxx.” The borrower’s current employment with xxxx does not meet the required 2-year employment history criteria. | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061524 | 36290997 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305060643 | 36291017 | Credit | Guideline | Guideline Issue | Guideline | Missing required income documentation . | xxxx | xxxx | 03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305060643 | 36291018 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305060643 | 36291019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305060643 | 36291020 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification (Asset) not provided | xxxx | xxxx | 03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305050757 | 36291052 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party Verification is missing to verify business is active and operating either no more than 10 business days prior to the Note Date also require one of the following below documents. • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. |
xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305050757 | 36291055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305050757 | 36291056 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305050757 | 36291057 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/16/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NE | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| 305050757 | 36291058 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 305050757 | 36291059 | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 305050100 | 36291072 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (xxxx). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx | xxxx | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | N/A | N/A | Yes | ||||||||
| 305050100 | 36291074 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | One of the following required: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Compliance related |
xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||
| 305050100 | 36291075 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||
| 305050100 | 36291076 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx | 03/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 305061589 | 36291079 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx | 03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061589 | 36291082 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx | 03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061589 | 36291083 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061589 | 36291085 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061589 | 36291086 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 305061589 | 36291087 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | One of the following required: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Compliance related |
xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061589 | 36291090 | Credit | System | General | System | Borrower 1003 current address does not match Note address. | - | xxxx | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061589 | 36291091 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx | 03/16/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| 305061589 | 36291092 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 305061589 | 36291093 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx | 03/13/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 305061589 | 36291094 | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Judgments on credit/title report were not satisfied at closing per loan approval. | xxxx | xxxx | 03/16/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 305053743 | 36291113 | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines | xxxx | xxxx | 03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305064126 | 36291211 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | |||||||||
| 305064126 | 36291213 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx | 03/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | OK | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | |||||||||
| 305064126 | 36291214 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx | xxxx | 03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | |||||||||
| 305064126 | 36291216 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | |||||||||
| 305054672 | 36291217 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; State: ___ |
xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305054672 | 36291218 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305054672 | 36291219 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 305054672 | 36291220 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305063615 | 36291247 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; State: ___ |
xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| 305063615 | 36291250 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower | xxxx | xxxx | 03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 304789458 | 36291294 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | xxxx | xxxx | 08/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304789458 | 36291295 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided | xxxx | xxxx | 08/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305051420 | 36291305 | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing | - | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 305063712 | 36291344 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | xxxx | xxxx | 03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| 305063712 | 36291345 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | xxxx | xxxx | 03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305063818 | 36291368 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | xxxx | xxxx | 03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | Yes | |||||||||||
| 305063818 | 36291369 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | xxxx | xxxx | 03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305063818 | 36291370 | Credit | Fraud | General | Fraud | High - Fraud Alert identified on Fraud Report | xxxx | xxxx | 03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| 305063818 | 36291371 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
102 vs 3 | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx | 03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| 305047791 | 36291379 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305047791 | 36291380 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | xxxx | xxxx | 03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305070524 | 36291389 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305070524 | 36291390 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 305074618 | 36291392 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | xxxx | xxxx | 03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| 304687239 | 36296659 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx | 02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305029113 | 36296660 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Originator,SitusAMC Originator,SitusAMC |
xxxx | 12/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||
| 305029113 | 36296662 | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. | xxxx | xxxx | 03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 305034457 | 36296664 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx | 02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305034457 | 36296665 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Blanket mortgage for 10 properties is on file as stated on initial purchase HUD 1. Need proof the entire mortgage is paid off. | xxxx | 02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 305034457 | 36296666 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | xxxx | xxxx | 02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No |