J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.43
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | XXXX | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage is Less than Loan amount - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
X XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304701957 | Closed | 2025-05-15 14:45 | 2025-05-19 16:10 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Missing business entity final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 304717898 | Closed | 2025-06-18 01:20 | 2025-07-15 03:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Current address we are verify from VOM Page No#XXXX Staying Since XX/XX/XXXX (X Months), however Unable to verify previous address Primary history, Required VOM/LOX To verify XX months history. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 14:57 | 2025-07-21 09:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Lender provided fully executed loan agreement. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Borrower's initials are missing on pgs. XX and XX of Loan Agreement provided. Finding countered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached loan agreement - Seller-XX/XX/XXXX Counter-Document attached is occupancy affidavit. Executed loan security agreement missing from file. Finding countered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX Open-Executed Loan Agreement is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached loan agreement - Seller-XX/XX/XXXX |
Resolved-Lender provided fully executed loan agreement. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXXX_XXXXXXXX_ XXXX XXXXXXXXX.XXX_XXXXX_ XXXXXXXXXX XXXX XXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 15:00 | 2025-07-09 07:08 | Resolved | 1 - Information | D | A | Credit | Credit | Payment Letter is missing | Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached first payment letter - Buyer-XX/XX/XXXX Open-Payment letter is not executed. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 14:58 | 2025-07-09 07:08 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Annual Occupancy Certification is Unexecuted | Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX Open-Occupancy affidavit in file is unexecuted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX |
Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:02 | 2025-07-09 07:07 | Resolved | 1 - Information | C | A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Not Executed The Final XXXX is Incomplete, Borrower signature is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached final XXXX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 00:59 | 2025-07-09 07:05 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see the attached - Buyer-XX/XX/XXXX Open-The Deed of Trust is Not Executed The Deed of Trust is Incomplete, Signature And Notary date information is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 00:58 | 2025-07-09 07:05 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached note - Seller-XX/XX/XXXX Open-The Note is Not Executed The Note is Incomplete , signature Date information is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached note - Seller-XX/XX/XXXX |
Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXX XXXXXX XXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-07-09 06:55 | 2025-07-09 07:05 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved post changes made in TRID - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved post changes made in TRID - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:03 | 2025-07-09 06:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD with wet sign provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached final CD - Buyer-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure Is incomplete, Borrower signature date information is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD with wet sign provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:36 | 2025-06-30 14:56 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved exception in file, p. XXX, to apply XX% expense factor in lieu of expense verification from employer is approved. Expense factor of XX% is conservative for borrower’s line of work. Finding waived. - Due Diligence Vendor-XX/XX/XXXX | Waived-Lender provided approved exception in file, p. XXX, to apply XX% expense factor in lieu of expense verification from employer is approved. Expense factor of XX% is conservative for borrower’s line of work. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |
X. XXXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. X. XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. X. XXXXXXXX(X) XXXX XX.X XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-01 01:55 | 2025-07-09 16:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note Document Uploaded. Note signed by XXXXX XXXXXXXX XXXXXXXXX XXXXXXXXX- XXXXXXX XXXXXX on behalf of the XXXXXXXX XXXXXX, XXXXX, XXX . Provide Exception. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX- XXXX XXXXXX XX XXXXXXXX XX XXXXXX XX XXXXXXXX XXXXXX.XXX_XXXXX_ XXXXXXXXX XXXXXXXXX.XXX |
XXX - XXXX XXXX XX.XX%., XX XXXXXXXXXXX XXX XX%. XXXX - XXXX XXXX X.XXX. XX XXXXXXXXXXX XXX X.X XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXXXXXX XX XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | |
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-07 09:50 | 2025-07-08 05:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-01 21:38 | 2025-07-07 10:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception on page XXX. DSCR Primary Housing Expense: loan file-rent free w/ XXXX , Guideline Requirement- rent or own. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Housing History Does Not Meet Guideline Requirements Exception on page XXX. DSCR Primary Housing Expense: loan file-rent free w/ XXXX , Guideline Requirement- rent or own. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXX XXXX XX.XX%., XX XXXXXXXXXXX XXX XX%. XXXX - XXXX XXXX X.XXX. XX XXXXXXXXXXX XXX X.X XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXXXXXX XX XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 304734520 | Closed | 2025-07-10 09:45 | 2025-08-26 14:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXXXXXX agrees to accept the LTV X% exception based on comp factors: XXX FICO; > X DSCR; Seasoned Investor - Seller-XX/XX/XXXX Counter-No document uploaded - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see seller specific guidelines and approval letter attached. To my knowledge this seller has always used their guides and been submitted for review under the correspondent transaction. - Buyer-XX/XX/XXXX Counter-Provide matrix and guides - this was uploaded to Correspondent transaction and has been reviewed against those guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per XXX XXX guides no cash out refi unleased max is XX%. Please rescind. - Buyer-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Unleased refinance max LTV is XX% per guidelines, per appraisal property is vacant and lease is missing in file. An exception was not provided - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XXXXXXXXX agrees to accept the LTV X% exception based on comp factors: XXX FICO; > X DSCR; Seasoned Investor - Seller-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX XXXXXXXX XX.XX XXXXXXX XXX XXXXXXXXXX XX X XXXXXX XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||
| XXXX | XXXX | XXXX | 304734520 | Closed | 2025-07-07 22:23 | 2025-07-15 16:24 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Seller cannot produce, XX acknowledged. Please downgrade to Non-Material Grade X - Buyer-XX/XX/XXXX Counter-Initial Business purpose affidavit is still missing in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Business Purpose Affidavit attached - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V X Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial and final Business Purpose Affidavit Disclosure is missing in the file required for DSCR - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 304731335 | Closed | 2025-07-25 05:22 | 2025-08-04 09:50 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Entity XXX is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-07-31 23:16 | 2025-08-22 06:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months Primary Housing History Provided in VOM, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Per final XXXX current primary is a rental, VOR on page XXXX only reflects X months of verification. Missing VOr for previous primary rental information in file to verify a full XX month history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XX Months Primary Housing History Provided in VOM, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX - XXXXXXX XXXXXXXXX.XXX_XXXXX_ XXX XXXXX XXXXXXXXX (X).XXX_XXXXX_ XXX XXXXXXX XXXXXXX.XXX_XXXXX_ XXXXX XXXXXX XXX X XXXXXX.XXX_XXXXX_ XXX XXX X XXXXX.XXX_XXXXX_ XXXXX XXXX XXXX.XXX_XXXXX_ XXX XXXX XXXX (X).XXX_XXXXX_ XXX XXXX XXXX (X).XXX_XXXXX_ XXXXX - XX X XXXXX.XXX_XXXXX_ XXX XXXX XXXXXXXX XXX XXXXXXXX XXXXXXXX XXXXXXX XXXX XXX XXXX.XXX_XXXXX_ XXX XXXX XXXX (X).XXX_XXXXX_ XXX XXXX XXXX (X).XXX_XXXXX_ XXXXXX XXXX XXXX (X).XXX_XXXXX_ XXXX XXXX XXXX (X).XXX_XXXXX_ XXX XXX XXXX XXXX XXXX (X).XXX_XXXXX_ XXXXX XXXX XXXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-08-06 19:14 | 2025-08-22 06:11 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Expired | Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset X Expired IRa on page XXXX is dated X/XX/XX, Per guidelines on page XXX Assets must be seasoned for XX days from closing. Cash out proceeds is not sufficient to cover minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX XXXXXXXXXX XXXXXXXXXX- XXXXXXXX XXXX X XXXXXXXXXX XXXXXXXXXX- XXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXX XXXXXX XXXXXXX- XXXX>XX XXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-08-01 05:27 | 2025-08-19 01:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Final Cd is not executed - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-07-31 22:11 | 2025-08-18 07:00 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Signed Deed of Trust provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Not Executed Deed of Trust is not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Signed Deed of Trust provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX_XXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 05:11 | 2025-08-21 14:10 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Client provided evidence the borrowers received the initial CD on X/XX/XX. Mavent is passing. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tracking information showing Initial CD was sent to borrower on X/XX uploaded for review. - Seller-XX/XX/XXXX Counter-The initial CD issue date is X/XX/XX, however the signature date on the initial CD provided is X/XX/XX and the closing date is also X/XX/XX. This loan is failing the Federal - Closing Disclosure and Consummation Date test because under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Counter to condition uploaded for review. - Seller-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Missing initial CD. Initial Closing Disclosure provided issued X/XX/XX is not three business days before the consummation date of X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tracking information showing Initial CD was sent to borrower on X/XX uploaded for review. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Seller Counter to condition uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Client provided evidence the borrowers received the initial CD on X/XX/XX. Mavent is passing. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXX XX XXXXXXX.XXX_XXXXX_ XXXXXXXXXX_XXXXX - XXXXXXX XX-XXXXX XXX.XXX |
XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 23:13 | 2025-08-15 04:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX-XXX - XXX XXXXXX X.XX.XX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 23:13 | 2025-08-15 04:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gap Reports uploaded for review. - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX-XXX - XXX XXXXXX X.XX.XX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304734711 | Closed | 2025-08-13 05:26 | 2025-08-19 06:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous HOI policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated insurance before note date not in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Previous HOI policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:36 | 2025-10-30 08:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:31 | 2025-10-29 01:01 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:11 | 2025-09-03 14:38 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:05 | 2025-08-21 02:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Second Appraisal/Valuation is missing and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX_XXXXX_ XXXX X.XXX_XXXXX_ XXXX X.XXX_XXXXX_ XXXXXXXX XXXXXXX (X).XXX_XXXXX_ XXXX X.XXX_XXXXX_ XXX-XXX_XXXXXX_XXXXXX_XXX_XXXXXXX_XX_XXXXX_XXXXXXXX_XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 09:07 | 2025-08-26 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-As per XXXXXXXXXX, Voter ID is acceptable ID. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The documents attached are in the file. The photo ID for the borrower is a XXXX Registration card. Requesting updated Photo ID. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The photo ID for the borrower is a XXXX XXXX. Requesting updated Photo ID. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-As per XXXXXXXXXX, Voter ID is acceptable ID. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX_XXXXX_ XXXXXX XXXX.XXX_XXXXX_ XXXXXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 09:51 | 2025-08-21 15:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The DSCR calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The DSCR calculation worksheet is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The DSCR calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 04:33 | 2025-08-21 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy is missing the Dwelling amount and Rent Loss Coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304763820 | Closed | 2025-08-19 12:04 | 2025-08-27 10:00 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Lender provided exception for not having XX month seasoning for an ITIN cash out. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Cash Out is not completed according to the XXXXXXXXX requirements Per XXXXXXXXXX, seasoning requirements for cash out are a minimum of XX months for ITIN. Title is vested in X X XXXXX XXXXXXX & XXXXXX XXX. X X XXXXX XXXXXXX & XXXXXX XXX purchased the property X/XX/XX. Missing XX month requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided exception for not having XX month seasoning for an ITIN cash out. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 09:18 | 2026-01-14 02:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide LOX, VOM or VOR to confirm housing history. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VOM is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 09:34 | 2026-01-05 07:51 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated appraisal report. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Review Product X Valuation is Expired - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX |
Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated appraisal report. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXXX XXXXXXXXX _X.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 10:00 | 2025-09-12 00:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 07:35 | 2026-01-14 03:24 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than Loan amount, provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Coverage is less than Loan amount, provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXXXXX - XXXX-XXXXXXX XXXX XXXXXX X (XX).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:33 | 2026-01-05 07:50 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated post close review. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Review Product X Valuation Date reported is XX/XX/XXXX which is more than XXX Days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX |
Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated post close review. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXXX XXXXXXXXX _X.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:55 | 2025-09-12 00:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:42 | 2025-09-12 00:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Missing Hazard Insurance Policy in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXX.XXX_XXXXX_ XXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-10 22:39 | 2025-09-18 05:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business Purpose Affidavit provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose affidavit signed before closing is not present in file, according to XX Guidelines under DSCR program Business Purpose affidavit signed by the borrower both at submission and closing is required. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-Business Purpose Affidavit provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXXX XXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-10 23:00 | 2025-09-18 04:29 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy does not covers loan amount, Provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated title uploaded for review. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title provided shows coverage amount of $XXX,XXX while the loan amount is $XXX,XXX, a supplement report is required that is covering the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Policy does not covers loan amount, Provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXXX XXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-11 01:12 | 2025-09-18 03:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Escrow waiver uploaded for review. - Buyer-XX/XX/XXXX Open-Taxes and Insurance are waived as per the Final closing disclosure, Escrow Waiver is required. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Escrow waiver Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXXXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304825252 | Closed | 2025-09-14 03:19 | 2025-09-23 05:27 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Prepayment Notice is Missing | Resolved-Requested Prepayment Addendum to Note Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-Missing Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Prepayment Addendum to Note Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304840755 | Closed | 2025-09-29 15:56 | 2025-10-01 14:00 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX Agrees to waive; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX Open-The Final XXXX is Missing Provide complete executed XXXX including vesting as LLC as required per guidelines XX.X.X. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 304827036 | Closed | 2025-10-06 07:23 | 2025-12-10 07:18 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD dated XX/X/XXXX provided w/ corrected prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached corrected CD - Due Diligence Vendor-XX/XX/XXXX Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure Is $XX,XXX does not match the prepayment penalty calculation on the Note is $XX,XXX. Additionally, per matrix a X yr penalty should have a X%, X%, X% stepdown fee structure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD dated XX/X/XXXX provided w/ corrected prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304827036 | Closed | 2025-10-06 08:28 | 2025-11-06 09:21 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Open-XX approves exception for missing initial business purpose and occupancy affidavit. Affidavit signed at closing. Comp Factors: XXX Fico, XX mos reserves, X.XX FICO - Buyer-XX/XX/XXXX Open-XX approves exception for missing initial business purpose and occupancy affidavit. Affidavit signed at closing. Comp Factors: XXX Fico, XX mos reserves, X.XX FICO - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. BP Affidavit from origination is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XX XXXXXX XXXXXXXX X.XX XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-08 23:44 | 2025-10-20 16:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved, accepted case-by-case. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud report shows free and clear. Additional we can use this guideline as a borrower being rent free/free & clear can be considered case by case as long as no reverse occupancy concerns. Seems the UW didn’t have any concerns - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Unable to verify the primary Housing History. The Open Lien Report, p XXX, reflects that there is a lien on the primary residence at XXXX XXXXXXXXXXX XXXXXX however it is not reflected on the CR, there is no VOM in file, nor is there proof that the lien has been satisfied. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved, accepted case-by-case. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-08 23:44 | 2025-10-17 04:17 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to credit liabilities, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the XXXX Page is 'XXX', but the Qualifying FICO from the Credit Liabilities Page is 'XXX'. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Fico Mis match from XXXX to credit liabilities, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX - XXXXXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-16 10:27 | 2025-10-17 04:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXXX reflects that there is a mortgage on the second home at XXXX XXXXX XXXXXXX XXXXX in the amount of $XXXk that has not been verified on the CR and there is no VOM for it in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 304898675 | Closed | 2025-11-14 06:28 | 2025-12-03 06:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded Cash-Out LOE - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Provide LOE regarding borrowers use of cash out proceeds as required per X/X's. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded Cash-Out LOE - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_XXXX-XXXX XXX.XXX | XXXXXXXX, XXXXXX XX XXXXXXXXXXX XXX XXXX XXX XXXXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |
| XXXX | XXXX | XXXX | 304898693 | Closed | 2025-11-18 01:47 | 2025-11-25 02:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Finding added for Lease agreement is Expired, In file Lease agreement states Lease term auto renewal after expiration of term, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to SECTION X.X b of the lease agreement which states that the lease renews automatically. - Seller-XX/XX/XXXX Open-Lease Agreement for UnitX is expired per lease document XXX-XXX. Provide updated Lease Agreement. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to SECTION X.X b of the lease agreement which states that the lease renews automatically. - Seller-XX/XX/XXXX |
Resolved-Finding added for Lease agreement is Expired, In file Lease agreement states Lease term auto renewal after expiration of term, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304898659 | Closed | 2025-11-19 11:39 | 2025-12-05 11:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception in Findings approved for reserve shortage of $XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-The asset sizer provided XX/XX/XXXX does not document the assets in the file. The most recent bank statement dated XX/X/XXXX has an ending balance of $XX,XXX.XX and page #XX shows the debit for the $X,XXX EMD which is for another property (XXXX XXXXXXXXXX XXXXXX) not our subject. Total funds required is calculated at $XX,XXX.XX which the amount of verified funds including the $X,XXX EMD is still short $XXX.XX. Provide proof of additional funds and EMD to satisfy the funds to close. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded sizer with enough assets for reserves; deleting $X,XXX EMD. - Seller-XX/XX/XXXX Counter-XXXX XXXX statement on page #XX debit $X,XXX is for another property (XXXX XXXXXXXXXX XXXXXX) not our subject. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX - XX to the XXXX XXXX October statements. Specifically, page XX reflects the EMD of $X,XXX being withdrawn. - Seller-XX/XX/XXXX Counter-Provide EMD for $Xk on subject property. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX Counter-EMD on page #XXX is for another property and the most recent bank statement dated XX/X/XXXX on page #XX has an ending balance of $XX,XXX.XX (#XXXX). The two prior month's bank statements (#XXXX) only show deposits for other properties. Provide EMD for subject transaction per settlement statement and additional assets as the $XX,XXX.XX from the most recent statement plus the EMD of $X,XXX leaves a short of -$XXX.XX to meet the XX X months reserve requirement. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded sizer with correct asset balance and reflecting enough assets to support down payment and reserves. Funds required $XX,XXX.XX + required reserves $X,XXX.XX = assets required $XX,XXX.XX. Verified funds $XX,XXX.XX - Seller-XX/XX/XXXX Open-Per the X/X/XXXX XX - X months reserves are required. Per pages XX-XX of the bank statements and funds wired for closing the borrower is short reserves only meeting X.XX months of the required X months. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded sizer with enough assets for reserves; deleting $X,XXX EMD. - Seller-XX/XX/XXXX Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX - XX to the XXXX XXXX October statements. Specifically, page XX reflects the EMD of $X,XXX being withdrawn. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded sizer with correct asset balance and reflecting enough assets to support down payment and reserves. Funds required $XX,XXX.XX + required reserves $X,XXX.XX = assets required $XX,XXX.XX. Verified funds $XX,XXX.XX - Seller-XX/XX/XXXX |
Waived-Exception in Findings approved for reserve shortage of $XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX_XXXXX_ XXXXXXX_XXXXX.XXX |
'-XXXXXX XXXXX XX XXX - XX XXXXXXX XXXX XX XXX. -XXXXXXX XXXX XX X.XXX - XX XXXXXXX XXXXXXXX X.XX. |
XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 304898821 | Closed | 2025-11-17 04:05 | 2025-11-21 00:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Credit memo doc provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo - Seller-XX/XX/XXXX Open-Credit memo is missing from file. Documentation is required to confirm loan details including the qualifying matrix, XXXX, etc - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo - Seller-XX/XX/XXXX |
Resolved-Credit memo doc provided. Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information | A | A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The Annual Percentage Rate of (X.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(A); XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The Annual Percentage Rate of (X.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(A); XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information | A | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Flood cert fee increased by $X.XX no COC needed - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-not resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee, Title Endorsement Fee, Points - Loan Discount Fee, Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Fees increased from Initial Le to final Cd and there is no COC to the tolerance - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Flood cert fee increased by $X.XX no COC needed - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XX XX.XX.XXXX XXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information | A | A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-sellers rebuttal attached, provide more clarification - Buyer-XX/XX/XXXX Open-The disclosed APR (X.XXX) is lower than the actual APR (X.XXX) by more than .XXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXX% on a regular mortgage transaction. (XX CFR XXXX.XX(f), XXXX.XX(a)(X), & XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-12-10 03:31 | 2025-12-18 11:19 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. sellers rebuttal attached - Seller-XX/XX/XXXX Open-The Prior CDX sent on (XXXX-XX-XX) was received at least X business days before closing. The Last CD sent on (XXXX-XX-XX) was not received at least X business days before closing. The Prior CDX (X.XXX%) APR is inaccurate when compared to the (X.XXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); XXX XX(f)(X)(ii)-X) Provided Initial Cd on XX/XX/XXXX and closing date is XX/XX/XXXX which is more than X business days - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. sellers rebuttal attached - Seller-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-12-18 06:06 | 2025-12-18 06:13 | Resolved | A | A | Compliance | TRID | Federal - Loan Estimate Disclosure Presumed Received and Intent To Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||||
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-16 09:05 | 2025-12-10 03:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-TRID: Missing Closing Disclosure initial Closing Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-20 21:19 | 2025-12-23 11:41 | Resolved | 1 - Information | C | A | Compliance | Mavent | License: Loan Originator | Resolved-the correct number for the LO was clarified. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-the NMLS ID is wrong in your last rebuttal. It is XXXXXXX as shown on the final XXXX and the NMLS document I previously uploaded. Please review and rescind. Thank you - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The NMLS ID (XXXXXXXX) of the loan originator does not exist. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached, - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-the NMLS ID is wrong in your last rebuttal. It is XXXXXXX as shown on the final XXXX and the NMLS document I previously uploaded. Please review and rescind. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached, - Seller-XX/XX/XXXX |
Resolved-the correct number for the LO was clarified. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXX - XXXXXXXXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 10:04 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the letter of intent was provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide intent to proceed doc. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-the letter of intent was provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 03:54 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership counselling is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Homeownership counseling disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership counselling is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:41 | 2025-12-10 03:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Home Loan Toolkit is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Provide home loan toolkit doc. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Home Loan Toolkit is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:38 | 2025-12-10 03:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Provide service provider list doc. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Service Provider List is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XX XXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 03:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 22:25 | 2025-12-10 01:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd party VOE doc with in XX business days from closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX XXXXXXX.XXX | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-21 09:44 | 2026-01-29 09:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please read the LOE in it's entirety. Per Seller: We are not required to provide a COC for fees that do not exceed the XX% tolerance as per the guidance from the CFPB below. Also, recording fees are not calculated as an individual fee but rather are bucketed with other fees for a tolerance calculation on the entire set of fees not to exceed XX%. We do not need to provide a COC for this. Please escalate. - Seller-XX/XX/XXXX Counter-Settlement fees increased from $X,XXX to $X,XXX and the doc stamps fee increase $XXX to XXX, both were increased by $X.XX and a change of circumstance was not in the file. The recording fee also increased by $XXX to $XXX which was more than a XX% increase. The file did not contain a change of circumstance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The recording fees increased from $XXX to $XXX on the final CD which is more than the allowable XX% variance. Additionally the doc stamp fees increased from $XXX to $XXX on the final CD. As a result, this caused an overall intolerance (less $X lender credit) of $XX.XX. A change of circumstance for the increase was not provided. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please read the LOE in it's entirety. Per Seller: We are not required to provide a COC for fees that do not exceed the XX% tolerance as per the guidance from the CFPB below. Also, recording fees are not calculated as an individual fee but rather are bucketed with other fees for a tolerance calculation on the entire set of fees not to exceed XX%. We do not need to provide a COC for this. Please escalate. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXX XXXX.XXX_XXXXX_ XXXXXX_XXXX_XXXX-XXXXX-XXXXXXXXXX-XXXXXXXXXX-XXXX.XXX_XXXXX_ XXX XXXXXXXXX XXXX (X).XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-25 22:24 | 2025-12-29 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Buyer-XX/XX/XXXX Counter-Thank you. The request was for a VOE dated w/in XX business days of closing. A Credit Report was uploaded instead. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX XXXXX XXXXXX XX XXXX XX XXXXXXX XX.XX.XXXX.XXX_XXXXX_ XX XXX XXX XXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:45 | 2025-12-21 09:59 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP dated X/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-ITP dated X/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-27 06:31 | 2025-12-21 09:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested toolkit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Requested toolkit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-27 06:32 | 2025-12-21 09:58 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:40 | 2025-12-21 09:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated XX/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see all attachment - ICD and ICD/COC attached. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure The Initial CD is missing from the file. Provide along w/ any applicable change of circumstances. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see all attachment - ICD and ICD/COC attached. - Seller-XX/XX/XXXX |
Resolved-Initial CD dated XX/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXX XXXXXX XX.XXX_XXXXX_ XXXXXXX XX XXX XXX.XXX_XXXXX_ XX XXXXXXX XX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:17 | 2025-12-21 09:29 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-XXXXD Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-25 22:35 | 2025-12-19 02:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condion resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condion resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX XXXXX XXXXXX XX XXXX XX XXXXXXX XX.XX.XXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304818257 | Closed | 2025-11-26 04:10 | 2026-01-08 09:33 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find copies of both appraisals to clear this finding. - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX X-X XXXXX XX XX XXXXXXXXX - X.XXX_XXXXX_ XXXXXXXXXX XX XXXXXXXXX -X.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304818257 | Closed | 2025-11-26 05:40 | 2025-12-03 13:55 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approved - Due Diligence Vendor-XX/XX/XXXX | Waived-Loan does not conform to program guidelines Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXXXX, XXXX XXX XXXXXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX XXXXXXX - XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. XXXXXX XXXXXX XXXXX XXXX XXXXXXXXX XXXXX XXXX XX XXXX - XXXXXXXX XXXXXXX XXXXXXX XX XXXX, XX XXXXXX. XXXXXXX XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXX, XX XXXXXX. |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 08:42 | 2025-12-23 15:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided and Compliance was run. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial CD Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure The Initial CD is missing. Upon receipt, Compliance can be run. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided and Compliance was run. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-03 14:35 | 2025-12-23 14:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit provided in Findings: DISCLOSURE - YOUR HOME LOAN XXXXXXX.XXX XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Toolkit is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Home Loan Toolkit provided in Findings: DISCLOSURE - YOUR HOME LOAN XXXXXXX.XXX XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX XXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-03 14:35 | 2025-12-23 14:38 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership Counseling list provided in Findings: DISCLOSURE - HOMEBUYER COUNSELING NOTICE XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Homeownership Counseling Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Homeownership Counseling list provided in Findings: DISCLOSURE - HOMEBUYER COUNSELING NOTICE XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XXXXX.XXX_XXXXX_ XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX_XXXXX_ XXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXXXX. XXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 08:43 | 2025-12-23 14:35 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed Intent to Proceed provided in Findings: Findings: INTENT XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Executed Intent to Proceed provided in Findings: Findings: INTENT XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-01 00:24 | 2025-12-23 05:05 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service providers List Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Service Provider List is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service providers List Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 10:15 | 2025-12-15 10:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-acknowledged - Buyer-XX/XX/XXXX Open-Approved Exception on p XXX. Manager Notes: "Exception for IPC X% vs X% max for purchase with preferred seller. Exception vetted and approved by SVP of UW and capital markets." - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX (XXX XXX) XX XXXXXX XXXXXXXX (X XXXXXX XXXXXXXX) XXX XX.XX% (XXX XX%), XXX XX% (XXX XX%) |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 10:11 | 2025-12-15 10:23 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-acknowledged. - Seller-XX/XX/XXXX Open-Approved Exception on p XXX. Manager Notes: “Exception approved for residual $X,XXX vs $X,XXX. Bwr has XXX CS, X yr rental in current apartment with satisfactory VOR. Has been S/E in same business over X yrs. Bwr’s business (mobile auto repair) is registered to his apartment and doesn’t have brick and mortar location or overhead, but qualified at XX% expense ratio for worst case. XX% contribution from bwr’s own funds and > XX mo reserves”. *Audited calculated residual income is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-acknowledged. - Seller-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX (XXX XXX) XX XXXXXX XXXXXXXX (X XXXXXX XXXXXXXX) XXX XX.XX% (XXX XX%), XXX XX% (XXX XX% |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 03:06 | 2026-01-13 06:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see explanation from UW attached to clear this finding. - Buyer-XX/XX/XXXX Open-Missing Evidence of Property Tax Evidence of the Property Tax ($XXX.XXmonthly / approx. $X,XXX.XX annual) is missing from the file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXX - XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 02:57 | 2026-01-13 03:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit disclosure provided - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find a copy of the signed Business Purpose Affidavit to clear this finding. - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit final document missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final Business Purpose Affidavit disclosure provided - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 02:46 | 2025-12-05 15:57 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Exception available in page no #XXXX-XXXX for transferred appraisal completed after application date is approved. Acceptable LOE in file to support delayed appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception available in page no #XXXX-XXXX for transferred appraisal completed after application date is approved. Acceptable LOE in file to support delayed appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XX X.XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X. XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 304896420 | Closed | 2025-12-12 08:50 | 2026-01-05 08:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the corrective - Buyer-XX/XX/XXXX Ready for Review-Origination date: XX/XX/XXXX Maturity date: XX/XX/XXXX Calculation From December XXXX to December XXXX is XX years. XX years × XX months = XXX months The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions. Loan term: XXX months - Buyer-XX/XX/XXXX Open-The Note is Incomplete Updated Note is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXXXXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304896420 | Closed | 2025-12-12 08:51 | 2026-01-05 08:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see corrective note - Buyer-XX/XX/XXXX Ready for Review-Origination date: XX/XX/XXXX Maturity date: XX/XX/XXXX Calculation From December XXXX to December XXXX is XX years. XX years × XX months = XXX months The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions. Loan term: XXX months - Buyer-XX/XX/XXXX Open-Updated DOT is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 304889669 | Closed | 2025-12-15 11:18 | 2026-01-09 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X MM: Please see attached document. - Due Diligence Vendor-XX/XX/XXXX Counter-Uploaded is LOE only provided by Borrower regarding Divorce. G/L Borrower may have obligations such as Alimony, etc. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX MM: Please see final title policy that shows the judgement from title is removed. - Due Diligence Vendor-XX/XX/XXXX Counter-Uploaded is LOE only provided by Borrower regarding Divorce. Divorce decree not uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX MM: The LOX states the divorce was final in XXXX and child support was paid in full. - Due Diligence Vendor-XX/XX/XXXX Counter-LOE states divorce, reasoning for finding divorce decree. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX MM: Title does show a judgement for child support however, the borrower provided a letter of explanation confirming there is no child support left to pay. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 304896700 | Closed | 2025-12-14 10:24 | 2025-12-19 12:35 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305059294 | Closed | 2026-01-14 13:23 | 2026-02-23 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills for REO properties provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Tax bills provided showing ownership in XXXX, finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX |
Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills for REO properties provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Tax bills provided showing ownership in XXXX, finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX XXXX- XXX XXXXX XX.XXX_XXXXX_ XXX XXX- XXX XXXXX XX.XXX_XXXXX_ XXX XXX- XXXX XXXXXXX XX.XXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305059294 | Closed | 2025-12-11 08:08 | 2025-12-23 04:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Property is PUD, DOT is not marked as PUD, Provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. full mortgage attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Property is PUD but PUD Rider selection is not made in DOT. Provide updated DOT document with PUD Rider selection - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. full mortgage attached - Seller-XX/XX/XXXX |
Resolved-Property is PUD, DOT is not marked as PUD, Provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX-XXXX XXXXX XXXXXX.XXX_XXXXX_ XXXX-XXXXXXXX XXXXXXXX-XXXX XXXXX XXXXXX.XXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305059294 | Closed | 2025-12-11 08:02 | 2025-12-15 11:27 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Business Purpose Affidavit which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Seller-XX/XX/XXXX |
Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 304896834 | Closed | 2025-12-13 19:39 | 2025-12-19 11:11 | Resolved | 1 - Information | C | A | Credit | Credit | Missing verification of self employment. | Resolved-The business documentation was provided. Company search dated XX/XX/XXXX showing borrower name as owner. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Business Docs - Due Diligence Vendor-XX/XX/XXXX Open-Self Employed business narrative document is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The business documentation was provided. Company search dated XX/XX/XXXX showing borrower name as owner. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-16 14:53 | 2026-01-20 08:36 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 11 Does Not Meet Guideline Requirements | Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-FTC at Closing from Donor - Due Diligence Vendor-XX/XX/XXXX Counter-Uploaded is statement which has already been documented. Missing Wire Transfer $XX,XXX.XX from Donor Non Borrowing Purchaser. - Due Diligence Vendor-XX/XX/XXXX Open-Asset XX Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Asset XX - Quarterly statement - Due Diligence Vendor-XX/XX/XXXX Open-Asset XX Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-16 15:13 | 2026-01-20 08:31 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Uploaded Underwriter Letter of Explanation Payment Interest Tax Insurance total payment for XXX-XXX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LOX from Underwriter -- XXXX: XXXX /XXXXXXXXXXXXXXXXXXX-XXX-XXXXXXXX-XX - Due Diligence Vendor-XX/XX/XXXX Open-Final XXXX Schedule of REO XXX-XXX XXXXXXXX XX Monthly Insurance, Taxes, Association Dues, etc. $X,XXX.XX. Page XXX property tax $XXX.XX month + Page XXX HOI $XXX.XX month = $XXX.XX. Missing documentation for total $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Uploaded Underwriter Letter of Explanation Payment Interest Tax Insurance total payment for XXX-XXX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-13 03:53 | 2026-01-06 17:08 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXX’s Compliance Department has reviewed the outstanding conditions on loan file #XXXXXXX XXXX and disagrees with the statements that the Closing Protection Letter fee exceeded XXXX’s tolerance threshold. XXX did, however, incorrectly disclose this fee in section B of the XX/XX Closing Disclosure when it should have been listed in section C, based on the service provider list. To rectify this, XXX has issued the borrower a PCCD with the correct placement of the fee along with a Letter of Explanation. Copies of these documents are attached with this response. Once XXX received the list of charges from the title company, they were disclosed on the Final CD. These fees may be added or changed without regard to a tolerance limitation per Regulation Z § XXXX.XX(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Closing Protection Letter. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Page XXX Final CD Closing Protection Letter $XXX vs Page XXX Initial LE $XX. No COC or Lender Credits provided to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304907304 | Closed | 2025-12-23 10:22 | 2026-01-05 23:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:19 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COCs have been updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee, Inspection Fee has not increased from revised CD to final CD, COC is not required. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-COCs have been updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee, Inspection Fee has not increased from revised CD to final CD, COC is not required. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:08 | Resolved | 1 - Information | C | A | Compliance | Mavent | IA Fee Not Allowed- Title Endorsement Fee (Fee ID: 197) | Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Subsection XXX.X(a) of the Iowa Money and Interest Provisions does not allow Title Endorsement Fee (Fee ID: XXX) to be charged to the Borrower in IA. Title Endorsement Fee not allowed in IA state. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX |
Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:08 | Resolved | 1 - Information | C | A | Compliance | Mavent | IA Fee Not Allowed- Application Fee (Fee ID: 116) | Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Subsection XXX.X(a) of the Iowa Money and Interest Provisions does not allow Application Fee (Fee ID: XXX) to be charged to the Borrower in IA. Application Fee not allowed in IA state - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX |
Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:43 | 2026-01-06 19:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-Home loan toolkit is missing from file and disclosure tracking in file does not confirm receipt. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305028477 | Closed | 2026-01-02 09:37 | 2026-01-06 11:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated Rate Lock. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached. - Buyer-XX/XX/XXXX Open-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Evidence of Rate Lock Missing Rate lock in file states loan is locked however per Note and loan detail sheet, p. XXX, loan is ARM IO. Updated Lock required. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided updated Rate Lock. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305028477 | Closed | 2025-12-26 04:51 | 2026-01-06 02:37 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached. - Buyer-XX/XX/XXXX Open-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Appraisal/ Valuation is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXXX_XXXXXXX_(XXX).XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 304874104 | Closed | 2025-12-31 05:59 | 2026-01-23 08:37 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved-COC in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/XX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX Counter-This is a High-Cost loan. The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($X,XXX.XX). The Par Rate (Undiscounted Rate) of X.XXX% compared to the Note Rate of X.XXX is a difference of X.XXX%. Under the Florida High Risk Home Loan Act and Regulation Z, up to X bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + X (X.XXX on the rate-lock date of XX/XX/XXXX + X = X.XX%). There were no bona fide discount fees excluded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/X A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-COC in file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 304874104 | Closed | 2025-12-31 05:59 | 2026-01-23 08:23 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Title XXXIII XXX.XXXXX(XX)(a) - A late payment fee may not be in excess of X percent of the amount of the payment past due. The late fee is not more than X%. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/XX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX Counter-This is a High-Cost loan. The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($X,XXX.XX). The Par Rate (Undiscounted Rate) of X.XXX% compared to the Note Rate of X.XXX is a difference of X.XXX%. Under the Florida High Risk Home Loan Act and Regulation Z, up to X bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + X (X.XXX on the rate-lock date of XX/XX/XXXX + X = X.XX%). There were no bona fide discount fees excluded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/X A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) Late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title XXXIII XXX.XXXXX(XX)(a) - A late payment fee may not be in excess of X percent of the amount of the payment past due. The late fee is not more than X%. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305013418 | Closed | 2026-01-07 08:17 | 2026-01-13 00:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-LI X/XX Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/X and consented to it on XX/X. This meets the X business days before the closing date of XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial closing disclosure missing in loan file. Please provide the initial closing disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040446 | Closed | 2026-01-13 01:55 | 2026-01-30 03:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Existence of the business independently verified through a disinterested third party within XX business days of closing absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX XXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305028496 | Closed | 2026-01-07 09:26 | 2026-01-11 21:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD shows XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-LL X/X Please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) The GAP between Initial CD TO Final CD is not more than three business days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Initial CD shows XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305080357 | Closed | 2026-01-13 14:06 | 2026-01-15 06:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Exception waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-acknowledged - XXXXX-XX/XX/XXXX Open- Exception on page XXX approved for NAL on DSCR purchase. Buyer is acting as own realtor, related to realtor. No apparent relationship between buyer and seller. Subject was openly marketed in XXX and seller represented by own separate realtor for different real estate brokerage. Recommend waiving - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Waived-Exception waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%. XXXXXXXX- XXX.XX XXXXXXX XXX XXXXXXXXXX XX X XXXXXX XXXXXXX XX XXX.XX XXXXXX |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 305026121 | Closed | 2026-01-12 17:14 | 2026-01-16 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - KJ: Please see the attached CPA letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Borrower X CPA Letter Missing G/L Income Documentation Personal Bank Statements with no separate Business Account. Missing CPA/Tax preparer or Operating Agreement with Business Ownership XXX% and Business Active with X year history. Borrower Attestation letter no separate Business Account exists. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305026121 | Closed | 2026-01-12 17:32 | 2026-01-16 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - KJ: Please see the attached XXXX and CPA letter confirming an expense ratio of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. G/L Income Documentation with Personal Bank Statement, Minimum XX% Expense Ratio. Audited DTI XX.XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305029554 | Closed | 2026-01-14 00:53 | 2026-01-20 14:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XX - KJ: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The XXXX document is missing from the file. Please provide the XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305030626 | Closed | 2026-01-15 07:35 | 2026-01-19 23:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/XX RF please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Document is missing Final Title Policy missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305030626 | Closed | 2026-01-15 01:56 | 2026-01-19 23:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-X/XX RF please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Preliminary Title coverage of $XXX,XXX is insufficient for Loan Amount of $XXX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 21:16 | 2026-02-02 20:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-XX/XX/XXXX - KJ: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax. Please provide property tax bill. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 23:38 | 2026-01-28 09:19 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - Due Diligence Vendor-XX/XX/XXXX Open-The loan fees ($XX,XXX.XX) exceed the (FEDXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 23:38 | 2026-01-28 09:19 | Resolved | 1 - Information | C | A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - Due Diligence Vendor-XX/XX/XXXX Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)) Please provide Section XX Sign Date or Undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305032485 | Closed | 2026-01-22 23:36 | 2026-02-06 09:43 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) HPML is in compliance. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was enteredthe XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) HPML is in compliance. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was enteredthe XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040465 | Closed | 2026-01-26 06:57 | 2026-02-17 09:25 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cure docs uploaded for review. - Buyer-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee($XXX.XX) is newly added in Final CD, Provide COC for the same - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXXX-XXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305040465 | Closed | 2026-01-26 06:51 | 2026-01-30 00:26 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master policy Expiration date is less than Note date, provided Updated master policy, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Master Policy uploaded - Buyer-XX/XX/XXXX Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Provide updated Master Policy which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Master policy Expiration date is less than Note date, provided Updated master policy, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXX XXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048624 | Closed | 2026-01-30 01:09 | 2026-02-06 02:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Bank statements & LOX already present in file, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception email drirect from Deephaven - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Loan is qualified with XX months bank statements but we have only three months bank statements in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception email drirect from Deephaven - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Bank statements & LOX already present in file, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXX XXXXX.XXX_XXXXX_ XXXXXX XXXXXXXXX XXXXX XXXXXX XXXX XXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048624 | Closed | 2026-01-30 03:10 | 2026-02-03 10:49 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income/Employment General | Waived-waived with comp factors - Due Diligence Vendor-XX/XX/XXXX Open-We have UW exception to use XXX% of personal bank account deposits at page #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Waived-waived with comp factors - Due Diligence Vendor-XX/XX/XXXX |
XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%. XXX,XXX.XX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX.XX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX. |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 305048484 | Closed | 2026-02-04 12:42 | 2026-03-10 17:19 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Amendment to Contract provided in Findings reflecting the SP of $XXX,XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Counter-Noting the Discrepancy between the Sales Price on the Final CD of $XXX,XXX and the SP on the XXXX and Loan Approval reflect the SP as $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This was a new build so there was no closing date on the contract. It was a moving target - Buyer-XX/XX/XXXX Open-The Final CD, p XXX & XXX, reflects the Sale Price as $XXX,XXX while the contract, XXXX and Loan Approval reflect the SP as $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Amendment to Contract provided in Findings reflecting the SP of $XXX,XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX XX XXX XXXXX XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048484 | Closed | 2026-02-02 02:47 | 2026-02-04 12:23 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX-XXX and the Final Closing disclosure on page XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see pages XX-XX, XX-XX, XXX-XXX. The appraisal disclosure was provided to the borrower(s)- see page XXXX-XXXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX-XXX and the Final Closing disclosure on page XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see pages XX-XX, XX-XX, XXX-XXX. The appraisal disclosure was provided to the borrower(s)- see page XXXX-XXXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305048531 | Closed | 2026-02-03 23:45 | 2026-03-17 16:35 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Document Uploaded. Exception already made prior to closing - please rescind finding. - Buyer-XX/XX/XXXX Open-Cash Out Does Not Meet Guideline Requirements EXCEPTION ON PAGE#XXXX Exception review - approved to exceed max of XXXk cash out - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX XXXXXXX.XXX | XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | XXXX | 305048533 | Closed | 2026-02-04 01:24 | 2026-02-05 18:20 | Waived | 2 - Non-Material | B | B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXk c/o. Finding waived. - Due Diligence Vendor-XX/XX/XXXX | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXk c/o. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |
XX% XXX XX XXXXX XXX XXXXXXX XX.XX% XXX XX XX.XX%. XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 305040466 | Closed | 2026-02-05 09:33 | 2026-02-10 04:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE for XX XXXXXXXXXX X XXXXXXXXXXXX XXXXXXX XXX dated X/XX/XX provided within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-VOE for XX XXXXXXXXXX X XXXXXXXXXXXX XXXXXXX XXX dated X/XX/XX provided within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048565 | Closed | 2026-02-04 03:32 | 2026-03-05 16:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Exception was made prior to close - XXXXXXXXX approved exception, please rescind - Buyer-XX/XX/XXXX Open-Audited Loan Amount $XX,XXX is less than Guideline Minimum Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX. XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX. |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-06 14:26 | 2026-03-05 07:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX Counter-Leases are missing in file to verify rent from lease - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV is XX% for vacant property on a refinance an exception was not provided - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXXXX.XXX_XXXXX_ XXXXXXXXXX_XXXX XXXXX XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-02 21:53 | 2026-02-13 03:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CDA uploaded for review. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation is missing is this file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CDA uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-02 22:20 | 2026-02-13 03:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested initial Business Purpose Affidavit Disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in this file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Requested initial Business Purpose Affidavit Disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-04 21:26 | 2026-02-13 01:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Requested Prepayment Rider Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Prepayment Rider uploaded for review. - Buyer-XX/XX/XXXX Open-Prepayment Rider missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Prepayment Rider Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048412 | Closed | 2026-02-02 22:08 | 2026-02-17 03:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial BPA is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial BPA is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048459 | Closed | 2026-02-05 08:10 | 2026-02-09 07:40 | Acknowledged | 2 - Non-Material | B | B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per external counsel it is appropriate to acknowledged with a Grade B - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per external counsel it is appropriate to acknowledged with a Grade B - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 305048459 | Closed | 2026-02-05 08:10 | 2026-02-09 07:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305040447 | Closed | 2026-02-06 08:44 | 2026-02-11 09:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-IPC X% vs X% max for purchase with preferred seller. Exception on pg XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX agrees with this exception - Buyer-XX/XX/XXXX Open-Made exception on pg XXX, for IPC X% vs X% max for purchase with preferred seller; as per XX Correspondent GL dated XX/XX/XXXX, Max allowed IPC is X%, Audited IPC is X% - Due Diligence Vendor-XX/XX/XXXX |
Waived-IPC X% vs X% max for purchase with preferred seller. Exception on pg XXX. - Due Diligence Vendor-XX/XX/XXXX |
XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. XXXXXXXX XXX $XX,XXX.XX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 305048373 | Closed | 2026-02-06 04:40 | 2026-02-19 07:45 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Articles of Organization uploaded for review. - Buyer-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Articles of organization missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX XXXX XXX - XXXXXXXX XX XXXXXXXXX_XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048373 | Closed | 2026-02-08 23:25 | 2026-02-13 04:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report uploaded for review - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report Please provide copy of Fraud Identity or report to verify Fraud/OFAC etc. the provided document risk assessment on page XXX is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX XXXX XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 00:13 | 2026-03-12 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower executed Guaranty provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find Guaranty - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide guaranty agreement with borrower signature & date. Signatures missing in guaranty document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find Guaranty - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower executed Guaranty provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:40 | 2026-03-12 07:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find recorded executed DOT/ with notary page - Buyer-XX/XX/XXXX Counter-The DOT provided did not include the notary signature / date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find DOT signed. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Provide Deed of trust with borrower signature & date. DOT signature & date missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find DOT signed. - Seller-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXX.XXX_XXXXX_ XXXXXXXXXX_XXXXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:24 | 2026-03-10 18:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find XXXX signed - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Signed final XXXX for all borrowers was not provided in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find XXXX signed - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 05:49 | 2026-03-10 18:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find BP & OA form signed - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide Final business purpose & occupancy affidavit. Final business purpose affidavit missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 04:32 | 2026-03-10 18:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find final closed CD- signed - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Provide Final closing disclosure with borrower signature & date. Borrower signature missing in final closing disclosure. HUD settlement statement in file was not borrower signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find final closed CD- signed - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:41 | 2026-03-10 18:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please find note signed - Seller-XX/XX/XXXX Open-The Note is Missing Provide Note with borrower signature & date. Borrower sign & date missing in note document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please find note signed - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 02:22 | 2026-03-09 13:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Document Uploaded. Exception Approved - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Exception made for loan amount < $XXXK prior to closing - please rescind finding. - Buyer-XX/XX/XXXX Open-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Per XXXXXXXXX matrix dated XX/XX/XXXX minimum loan amount $XXX,XXX not meeting XXXXXXXXX loan amount $XX,XXX. An Exception was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Document Uploaded. Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX X.XX XXXX, XXX XX X |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 305040618 | Closed | 2026-02-09 03:34 | 2026-02-10 13:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305040618 | Closed | 2026-02-09 03:34 | 2026-02-10 13:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX-XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-10 13:42 | 2026-02-27 07:07 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXX - XXXXX XXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-18 02:36 | 2026-02-27 07:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax Missing Evidence of Property Tax Evidence of property tax missing in file to verify the annual taxes of $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Evidence of Property Tax Evidence of property tax missing in file to verify the annual taxes of $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXX XXXX XXXXXXXX XXXXX.XXX_XXXXX_ XXXXX XXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:27 | 2026-02-24 06:13 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal for subject property provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX Open-Appraisal is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Appraisal is Missing duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Appraisal for subject property provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Rescinded-Appraisal is Missing duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 08:45 | 2026-02-24 06:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-per title the contract is not expired this was a pre-construction contract signed before the home was built - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-per title the contract is not expired this was a pre-construction contract that was signed years ago before the home was built - XXXXXX-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing On page #XXX-XXX Purchase Contract in file but it is expired dated X/XX/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-per title the contract is not expired this was a pre-construction contract that was signed years ago before the home was built - XXXXXX-XX/XX/XXXX |
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-per title the contract is not expired this was a pre-construction contract signed before the home was built - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-10 13:41 | 2026-02-24 06:13 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Missing Primary Appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-24 01:26 | 2026-02-24 06:13 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXX Completion date if available to confirm if expired. (Days Difference is XXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 04:26 | 2026-02-24 01:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third party market rent estimate provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX |
Resolved-Third party market rent estimate provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:49 | 2026-02-24 01:32 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR Meets XXXXXXXXX Requirements as Third Party Market Rent available under appraisal document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX Open-Due the Missing Third Party Market Rent hence unable to calculate the DSCR value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Open-DSCR Does Not Meet XXXXXXXXX Requirements Due the Missing Third Party Market Rent hence unable to calculate the DSCR value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX |
Resolved-DSCR Meets XXXXXXXXX Requirements as Third Party Market Rent available under appraisal document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:43 | 2026-02-18 02:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) assets provided in file $XXXXX.XX does not meet guidelines requirement for reserves of X months - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-02-11 10:15 | 2026-03-20 13:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD received. Updated as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-Document provided has an issued date of X/XX/XXXX and an addendum dated X/XX/XXXX, a CD was provided in the file with a date of X/XX/XXXX. Please provide the Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD received. Updated as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-03-20 12:25 | 2026-03-20 12:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). . - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-02-09 23:40 | 2026-02-24 22:24 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX RF please see attached - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305039610 | Closed | 2026-02-10 02:20 | 2026-03-05 11:44 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Document is sufficient to cure the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LL X/X Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Credit report fee was increased from $XXX to $XXX under revised LE but COC is missing in file for the increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Cured-Document is sufficient to cure the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305039610 | Closed | 2026-02-10 00:17 | 2026-03-02 01:21 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see attadhed doc JK X.XX - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305051090 | Closed | 2026-02-11 22:55 | 2026-02-18 07:49 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Buyer-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXX XX.X.XX_XXXXXXXXXX XXXX - XXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305051090 | Closed | 2026-02-11 23:44 | 2026-02-12 02:43 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX,XX and copy of the appraisal was given to the borrower – see Pg #XXXX,XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX,XX and copy of the appraisal was given to the borrower – see Pg #XXXX,XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:37 | 2026-02-24 12:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Required Affiliated RESPA Business Disclosure is Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-FACTS doc received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Required Affiliated RESPA Business Disclosure is Missing Provide Affiliated RESPA Business Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-FACTS doc received. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:38 | 2026-02-17 05:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-Initial BPA E-signed received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide the Initial and Final Business Purpose Affidavit Disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Resolved-Initial BPA E-signed received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX XXXXXXX XXXXXXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 04:43 | 2026-02-12 12:49 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Executed Alta- Statement and HUD-X received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-HUD -X is not executed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed Alta- Statement and HUD-X received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX XXXXXXX - XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:59 | 2026-02-12 12:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-X-X Rider and PPP Rider received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed Prepayment Rider - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-X-X Rider and PPP Rider received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX XXXXXXX - XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 02:56 | 2026-02-12 12:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Executed DOT received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See condition for Rider. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Singed DOT is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See condition for Rider. - Seller-XX/XX/XXXX |
Resolved-Executed DOT received - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 02:05 | 2026-02-12 12:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX | XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX X.XXX, XX XXXXXXXXXXX X.X |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 10:10 | 2026-02-11 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-HOI Policy received - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Provide HOI Policy - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-HOI Policy received - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305047760 | Closed | 2026-02-12 06:18 | 2026-03-03 07:19 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Used the provided information to calculate rental income primarily for unit X which is vacant using XX% of market rent with the other X units actual rent deducting monthly expenses for gross rental amount which results in a X.XXXX DSCR. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Our calculated DSCR is Rent/PITIA = $XXXXX.XX/$XX,XXX.XX= X.XXX DSCR whereas as per loan approval page XXX and DSCR worksheet page XXX DSCR is X.XXX. Rent Schedule on page #XX, Reduced X% fixed expenses from rent $XX,XXX * X% = $XX,XXX.XX as the management fee is missing in appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Used the provided information to calculate rental income primarily for unit X which is vacant using XX% of market rent with the other X units actual rent deducting monthly expenses for gross rental amount which results in a X.XXXX DSCR. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305047760 | Closed | 2026-02-12 04:42 | 2026-02-25 06:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet Guideline Requirements The provided documentation shows primary paid XX mos and then refinanced with a new loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see supplement report-- it was paid off/refinanced, see attached first pymt letter. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Housing history is X months, provide XX months housing history for the property XXX XXXXX XXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see supplement report-- it was paid off/refinanced, see attached first pymt letter. - Seller-XX/XX/XXXX |
Resolved-Housing History Does Not Meet Guideline Requirements The provided documentation shows primary paid XX mos and then refinanced with a new loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305034666 | Closed | 2026-02-11 22:55 | 2026-03-27 02:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title policy with the updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see attached doc JK - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested updated title policy with the updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-12 22:43 | 2026-02-24 01:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Provided Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated Flood Ins uploaded for review. - Buyer-XX/XX/XXXX Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated as per available Flood doc. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Provided Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXXX - XXXXXXX XXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-12 22:43 | 2026-02-24 01:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Provided Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated as per available HOI doc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Seller-XX/XX/XXXX |
Resolved-Provided Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXXX - XXXXXXX XXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-13 08:14 | 2026-02-18 17:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DH approves exception - Buyer-XX/XX/XXXX Open-Delinquent Credit History Does Not Meet XXXXXXXXX Requirements Exception to allow charge-offs to remain open is approved. X COVID era accounts charged off for approx. $XXk can remain unpaid. Borrower has sufficient reserves to PIF and still qualifies with X% payment include at <XX% DTI - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX.XXX | XXX XX XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | ||
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:21 | 2026-03-11 09:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - KJ: Please see the attached wire receipts for the gift of $XX,XXX received from XXXXX XX XXXXX. Two wires of $X,XXX and $XX,XXX were sent for this gift. - Due Diligence Vendor-XX/XX/XXXX Counter-Wire confirmations provided match documentation in file verifying Gift Assets X, X, and X. Gift Asset X, in the amount of $XX,XXX is missing verification of $XXXX from account #XXXX. Additional verification of $XX,XXX provided in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - KJ: Please see attached. - Due Diligence Vendor-XX/XX/XXXX Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide the proof of gift amount for the remaining $X,XXX out of $XX,XXX amount deposited into escrow. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-03-11 09:39 | Resolved | 1 - Information | C | A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Borrower was refunded. COC acceptable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/XX Disagree - The discount charged meets the requirement set forth in XX-X.XA(c)(X)(b). The law for this test simply states 'fees paid to lender' and does not differentiate who pays the fee. The Discount Points truly reduced the rate, which makes it allowed. The definition of Discount is different than the definition for the high cost test and therefore it is allowable to exclude the discount. The buydown is ((Par X.XXX% - Interest rate X.XXX%) / Discount points charged X.XX) * XXX = XX.XXX%. $XXX,XXX.XX * X% / by X = $XXX.XX is the XX Permissible Fee. Fees Being included Processing fee $X,XXX.XX - Threshold $XXX.XX = $XXX.XX due to the Borrower for the XX High Cost. Please see attached Choice letter, Proof of Delivery, and refund check that was completed on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Counter-PCCD reflecting Tolerance cure for reimbursement missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-TF X/XX Please see attached Choice letter, Proof of Delivery, and refund check. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Fees paid to lender exceed the threshold. Under the XXXXXXXXX XXXXXXXX Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XX,XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (X.X. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d)) (Fees paid to lender exceed the threshold. Under the XXXXXXXXX XXXXXXXX Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XX,XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (X.X. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower was refunded. COC acceptable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-02-26 16:24 | Acknowledged | 2 - Non-Material | B | B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Client acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LI X/XX Disagree. There is not comp charged on this loan. - Due Diligence Vendor-XX/XX/XXXX Counter-Please provide the high-price mortgage disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LI X/XX Disagree - Our Contract states that XXXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on X/X. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XX%) APR equals or exceeds the XXXXXXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) (The loan's (X.XX%) APR equals or exceeds the XXXXXXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i))) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Client acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 03:40 | 2026-02-24 22:19 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX RF please see attached - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-02-18 09:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305048271 | Closed | 2026-02-17 21:17 | 2026-02-25 04:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, Updated Trid Final and ran Mavent. - Due Diligence Vendor-XX/XX/XXXX Resolved-Page #X of Final CD uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Provide the final Closing Disclosure page X is missing from the loan file. Mavent was ran, but page X is missing as we have not taken any fees from page X of the final CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved, Updated Trid Final and ran Mavent. - Due Diligence Vendor-XX/XX/XXXX Resolved-Page #X of Final CD uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX - XXX XXXXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048271 | Closed | 2026-02-17 22:27 | 2026-02-20 04:19 | Resolved | 1 - Information | C | A | Compliance | Interest:Accrual | Louisiana - Interest Rate Accrual | Resolved-Resolved, Updated the final CD. - Due Diligence Vendor-XX/XX/XXXX Open-Under the XXXXXXXXX Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (XXXX. Rev. Stat. Ann. X:XXXX.X(A)) Review (Under the XXXXXXXXX Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (XXX Rev. Stat. Ann. X:XXXX.X(A)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved, Updated the final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305042642 | Closed | 2026-02-20 08:59 | 2026-02-24 08:27 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Debt monitoring received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. The gap credit in the file was dated X/XX/XXXX, the loan closed on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Debt monitoring received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305042642 | Closed | 2026-02-18 03:26 | 2026-02-23 23:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-EMD funds of $XX,XXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX Open-Provide Deposit proof for EMD $XX,XXX which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-EMD funds of $XX,XXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:18 | 2026-03-16 16:34 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:18 | 2026-03-16 16:34 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:35 | 2026-03-16 10:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Lender provided PC CD, LOX and email proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached LOE PCCD and proof of delivery - Seller-XX/XX/XXXX Open-Upon review of evidence of insurance in file, p. XXXX, annual premium is XX,XXX.XX/XX=XXXX.XX per month. Final CD in file shows monthly premium amount of $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached LOE PCCD and proof of delivery - Seller-XX/XX/XXXX |
Resolved-Lender provided PC CD, LOX and email proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXX XX.XXX_XXXXX_ XXXXXXXXXX XXXX.XXX_XXXXX_ XXXXXXXXXX XXXXX XX XXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-23 18:03 | 2026-03-12 10:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX.XX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Resolved-RCE confirms borrower has sufficient coverage. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the replacement cost estimate of $X,XXX,XXX.XX. Kindly review and clear this finding. - Buyer-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Total hazard coverage including RCE value is $X,XXX,XXX.XX which is less than loan amount of $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXXX.XX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Resolved-RCE confirms borrower has sufficient coverage. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 15:48 | 2026-03-02 12:45 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-The Hazard Insurance Coverage Amount is less than Required Coverage Amount. The Coverage Amount from the two Dec Pages provided total $XXX,XXX which is less than the LA of $XXX,XXX. The third Dec Page with the coverage amount is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_ XXXXX XXXXXXXX - XXX XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 12:05 | 2026-03-02 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-Missing Hazard Insurance Policy This is a XXXX-unit property. The IEADS reflects the hazard insurance premium of $X,XXX.XX. There are two Hazard Insurance Dec Pages in file: X) XXXXX XXXXXXXX XXXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, Premium $XXXX.XX, RCE is in file; and X) XXXXX XXXXXXXX XXXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, RCE is missing, Premium $XXXX.XX. The total of the two premium amounts is $XXXX.XX. The remaining Hazard Dec Page with the premium amount of $XXXX.XX and RCE is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX Ave were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_ XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_ XXXXX XXXXXXXX - XXX XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 15:54 | 2026-03-02 12:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Other Rider is Missing | Resolved-The Assignment of Leases and Rents Rider was provided in Findings: XXXXXX XXXXX - XXXXXXXX XXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX Open-The Assignment of Leases and Rents Rider referenced in the DOT is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Assignment of Leases and Rents Rider was provided in Findings: XXXXXX XXXXX - XXXXXXXX XXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX - XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305048302 | Closed | 2026-02-24 23:06 | 2026-03-11 05:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see fair rental value cov up to XX months - Buyer-XX/XX/XXXX Counter-Property insurance does not include rent loss, thus the reasoning for adding additional X months worth of reserve requirements, bringing total to X months. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We only need three months reserves for the DSCR cash out refi program- with CD attached and cash out-we have well over that - Buyer-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Loan required X month's of reserves but, there is only X.XX month's reserves from cash out and no Asset's in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX_XXXXX_ XXX-XXXX-XXXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305039459 | Closed | 2026-02-25 02:23 | 2026-03-03 00:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Requested a complete third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Fraud Reports attached - Due Diligence Vendor-XX/XX/XXXX Open-Third Party Fraud Report Partially Provided Provide Fraud Report Missing in File. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested a complete third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX_XXXXX_ XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305039459 | Closed | 2026-02-25 02:58 | 2026-03-02 23:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial CD attached - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing File. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305059350 | Closed | 2026-02-27 05:21 | 2026-03-05 06:11 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation is missing in file. Guidelines state X-X unit properties are required to provide a full appraisal and commercial BPO on all properties. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX_XXXXX- XXXXXXXXXX XX XXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305059350 | Closed | 2026-02-27 05:55 | 2026-03-05 00:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-prepayment status is not reflected, provided updated HUD-X, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Final HUD-X Document is Missing. Thee provided HUD doc states 'No' to the Prepayment information. However, the Note lists a X year stepdown PPP. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-prepayment status is not reflected, provided updated HUD-X, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX_XXXXX-XXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | XXXX | 305061744 | Closed | 2026-03-10 03:04 | 2026-03-17 04:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX Open-Missing Hazard Insurance Policy Hazard Insurance Policy document missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXXXX-XXXXXX (XXX).XXX_XXXXX_ XXXXXXXXX - XXXX XX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |