J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.23
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | 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? |
| XXXXXX | XXXXXX | XXXXXX | 304892922 | Closed | 2025-12-17 08:09 | 2025-12-17 08:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/17/2025 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/17/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 14:49 | 2026-01-23 08:52 | Resolved | 1 - Information | Compliance | XXXXXX | AbilityToRepay: QMPointsAndFees | Resolved-Received the par rate. Condition cleared. - Due Diligence Vendor-01/23/2026 Resolved- - Due Diligence Vendor-01/23/2026 Ready for Review-Mavent - Due Diligence Vendor-01/22/2026 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/18/2025 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 |
Resolved-Received the par rate. Condition cleared. - Due Diligence Vendor-01/23/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 14:49 | 2026-01-23 08:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Resolved - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 Resolved- - Due Diligence Vendor-01/22/2026 Ready for Review-Cure Packet Shipping Soon - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-12/26/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated (XX/XX/XXXX), reflects the baseline 10% fees at 110% as $XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XX. The Final Closing Disclosure reflecting the increase, dated XX/XX/XXXX, was disclosed on the same date of the valid COC, stating per closing agent, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 |
Resolved-Resolved - Due Diligence Vendor-01/23/2026 Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305024070 | Closed | 2025-12-18 15:01 | 2026-01-23 08:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Resolved - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Cured-Received proof of $XX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 Resolved- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-12/26/2025 Open-The total amount of the 10% category fees ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated (XX/XX/XXXX), reflects the baseline 10% fees at 110% as $XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $XX. The Final Closing Disclosure reflecting the increase, dated XX/XX/XXXX, was disclosed on the same date of the valid COC, stating per closing agent, which occurred on XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/18/2025 |
Resolved-Resolved - Due Diligence Vendor-01/23/2026 Cured-Received proof of $XXX refund, LOX, PCCD, and proof of delivery. Condition cleared. - Due Diligence Vendor-01/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304893031 | Closed | 2025-12-31 14:12 | 2026-01-14 13:30 | Resolved | 1 - Information | Compliance | XXXXXX | AbilityToRepay: QMPointsAndFees | Resolved-Received par rate. - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Ready for Review-Hello, Could you confirm what is needed to clear this condition? Just in case here are the XXXXXXX showing this is a bonafide and XXXXXX passing. - Due Diligence Vendor-01/07/2026 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XX,XXX.XX). (12 CFR 1026.43(e)(3). Unable to determine if discount points are bona fide. Lender pricing information not provided. - Due Diligence Vendor-01/01/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Resolved-Received par rate. - Due Diligence Vendor-01/14/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305034695 | Closed | 2026-02-24 13:49 | 2026-02-26 15:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-No further action is required. - Due Diligence Vendor-02/26/2026 Ready for Review-Hello, Could you confirm if anything is needed from us to clear this loan for purchase? - Due Diligence Vendor-02/25/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |
Acknowledged-No further action is required. - Due Diligence Vendor-02/26/2026 |
XX | Second Home | Purchase | NA | XXXXXXX | Originator Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304889954 | Closed | 2026-01-26 13:17 | 2026-01-26 13:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057446 | Closed | 2026-03-04 09:54 | 2026-03-04 09:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057484 | Closed | 2026-03-17 10:11 | 2026-03-17 10:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:17 | 2026-01-30 17:42 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 Resolved- - Due Diligence Vendor-01/30/2026 Ready for Review-COC on the appraisal fee increase - Due Diligence Vendor-01/29/2026 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file contains a change of circumstance, dated XX/XX/XXXX. The revised LE/CD is dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:17 | 2026-01-30 17:41 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 Resolved- - Due Diligence Vendor-01/30/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a two Appraisal Fees of $X,XXX and $X,XXX. Final reflects a two appraisal fees of $X,XXX and $X,XXX. the Closing Disclosure dated XX/XX/XXXX reflected the increase. The loan file did not contain a valid COC to support the increase. The COC provided was dated XX/XX/XXXX and referenced a revised Loan Estimate that was not provided. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/30/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 08:03 | 2026-01-29 08:31 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. - Due Diligence Vendor-01/29/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-01/29/2026 Ready for Review-E Consent - Due Diligence Vendor-01/27/2026 |
Resolved-E-Consent documentation for borrower provided. - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-22 09:57 | 2026-01-22 10:15 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Second Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/22/2026 | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304909524 | Closed | 2026-01-15 09:57 | 2026-01-22 10:14 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/15/2026 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305051152 | Closed | 2026-03-06 08:54 | 2026-03-06 08:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-16 09:41 | 2026-04-17 13:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-B1 income removed from loan. Condition cleared. Additional conditions added. - Due Diligence Vendor-01/30/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026 Ready for Review-Attached - Due Diligence Vendor-01/28/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/16/2026 |
Resolved-B1 income removed from loan. Condition cleared. Additional conditions added. - Due Diligence Vendor-01/30/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf XXXXXXX_5.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-22 13:30 | 2026-04-17 13:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/30/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/22/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/30/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-29 18:11 | 2026-02-04 12:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Final Application - Not Executed | Acknowledged-Final 1003 provided with e-signature. Acknowledged by client and downgraded to B grade - Due Diligence Vendor-02/04/2026 Ready for Review-Attached - Due Diligence Vendor-02/04/2026 Open-The Final 1003 is Not Executed Received an updated 1003 removing B1 income. Provide a signed final 1003. - Due Diligence Vendor-01/30/2026 |
Acknowledged-Final 1003 provided with e-signature. Acknowledged by client and downgraded to B grade - Due Diligence Vendor-02/04/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | |||
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-29 18:23 | 2026-02-02 08:57 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Acknowledged-Received a lender exception to allow post close AUS report. The lender exception was received via email and is dated post consummation. - Due Diligence Vendor-02/02/2026 Open-1/29/2026-The lender removed B1 income and provided revised documents including AUS reports dated post-closing. Please provide a lender exception allowing the use of a post-close AUS report. - Due Diligence Vendor-01/30/2026 |
Acknowledged-Received a lender exception to allow post close AUS report. The lender exception was received via email and is dated post consummation. - Due Diligence Vendor-02/02/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305027133 | Closed | 2026-01-22 14:03 | 2026-01-22 14:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057672 | Closed | 2026-03-06 08:46 | 2026-03-06 08:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057612 | Closed | 2026-03-06 10:08 | 2026-03-06 10:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 11:56 | 2026-03-12 08:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 Ready for Review-Escrow per Mortgage Statement: $X,XXX.XX HOI: $X,XXX.XX/12=$XXX.XX Taxes: $XX,XXX.XX/12=$XXX.XX mo There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Missing evidence of insurance for departure residence. 2) Missing evidence of XXX dues for departure residence. 3) Missing documentation to reflect mortgage payment reflected on the credit report is inclusive of escrows for taxes and insurance. - Due Diligence Vendor-03/06/2026 |
Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:58 | 2026-03-12 07:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 Ready for Review-Escrow per Mortgage Statement: $X,XXX.XX HOI: $X,XXX.XX/12=$XXX.XX Taxes: $XX,XXX.XX/12=$XXX.XX mo There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 Open-Provide evidence that taxes for the departure residence, REO 3a on the final loan application, is included in the mortgage payment of $X,XXX.XX. The XXXXXXXX XXXXX XXXXXXX report reflects taxes of $XX,XXX.XX for this property but the 1003 lists only $XXX.XX as other expenses. - Due Diligence Vendor-03/06/2026 |
Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:54 | 2026-03-12 07:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 Ready for Review-See attached mortgage statement - Due Diligence Vendor-03/11/2026 Counter-A copy of the mortgage statement was not found in the original loan file, lender to provide. This issue will be revisited upon receipt of the mortgage statement. Condition retained. - Due Diligence Vendor-03/11/2026 Ready for Review-Escrow per Mortgage Statement: $X,XXX.XX HOI: $X,XXX.XX/12=$XXX.XX Taxes: $XX,XXX.XX/12=$XXX.XX mo There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 Open-Missing Evidence of Insurance for departure residence, REO 3a on the final loan application OR provide a copy of the mortgage statement or other documentation indicating the payment includes escrows for taxes and insurance. - Due Diligence Vendor-03/06/2026 |
Resolved-Mortgage statement was provided and reflects payment is inclusive of escrow for taxes and insurance. Condition cleared. - Due Diligence Vendor-03/12/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305056717 | Closed | 2026-03-06 12:55 | 2026-03-11 10:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Documentation of XXX dues was provided. Condition cleared. - Due Diligence Vendor-03/11/2026 Ready for Review-Escrow per Mortgage Statement: $X,XXX.XX HOI: $X,XXX.XX/12=$XXX.XX Taxes: $XX,XXX.XX/12=$XXX.XX mo There is a $XX.XX difference between the escrow amount on mortgage statement and those calculations, however that is minimal and is most likely due to the mortgagor not having completed an escrow analysis for the newest figures. The XXX dues are $X,XXX per provided XXX minutes. $X,XXX/12=$XXX.XX/mo. Updated 1003/1008 have been provided w/HOI statement and XXX meeting minutes - Due Diligence Vendor-03/10/2026 Open-Missing Evidence of XXX Dues for REO1 Missing evidence of XXX dues for departure residence, REO 3a on the final loan application. Property is a condo. - Due Diligence Vendor-03/06/2026 |
Resolved-Documentation of XXX dues was provided. Condition cleared. - Due Diligence Vendor-03/11/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305059596 | Closed | 2026-03-18 14:57 | 2026-03-18 15:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Secondary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. ECOA: Most Recent Secondary Appraisal Date of XX/XX/XXXX is after the Secondary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Secondary Appraisal Not Provided to Applicant. ECOA: Most Recent Secondary Appraisal Date of XX/XX/XXXX is after the Secondary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305030965 | Closed | 2026-02-14 09:11 | 2026-02-19 11:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/14/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/14/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305051882 | Closed | 2026-03-02 11:39 | 2026-03-16 16:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract provided. - Due Diligence Vendor-03/16/2026 Ready for Review-See purchase contract - Due Diligence Vendor-03/13/2026 Open-Missing Purchase Contract - Due Diligence Vendor-03/02/2026 |
Resolved-Purchase Contract provided. - Due Diligence Vendor-03/16/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304893446 | Closed | 2026-01-02 09:33 | 2026-02-07 21:54 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/08/2026 Ready for Review-CDA - Due Diligence Vendor-02/06/2026 Counter-The doc provided is not the UCDP LCA. The UCDP LCA was already reviewed and has a score of 4. CU score is 2.6. Provide a secondary valuation that supports the value of the subject property. - Due Diligence Vendor-01/14/2026 Ready for Review-XXXXXXX LCA - Due Diligence Vendor-01/13/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/02/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/08/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304893446 | Closed | 2026-02-07 21:53 | 2026-02-07 21:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-02/08/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/08/2026 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Originator Post-Close | No | |||||
| XXXXXX | XXXXXX | XXXXXX | 305053259 | Closed | 2026-02-25 06:34 | 2026-03-09 17:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-03/09/2026 Ready for Review-ICD - Due Diligence Vendor-03/06/2026 Counter-Received verification the Initial CD was provided XX/XX/XXXX. The initial CD is missing from the loan file. Lender to provide evidence that the initial CD was provided to all vested owners. If non-borrowing spouse electronically signed the disclosure, need copy of E-Consent. Additional conditions may apply. Condition remains. - Due Diligence Vendor-03/05/2026 Ready for Review-ICD was issued and acknowledged on XX/XX/XXXX - Due Diligence Vendor-03/04/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Lender to provide evidence that the initial CD was provided to all vested owners. If non-borrowing spouse electronically signed the disclosure, need copy of E-Consent. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/25/2026 |
Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-03/09/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_1.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:39 | 2026-04-17 07:06 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured- - Due Diligence Vendor-04/17/2026 Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 Ready for Review-XX 2/12 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-02/12/2026 Counter-Received new RTC, LOX, and Fed ex. Missing proof of receipt. Proof of receipt can be evidenced through receipt/delivery confirmation from courier, executed NORTC, email acknowledgement, confirmation of electronic receipt, etc... Condition remains. - Due Diligence Vendor-01/30/2026 Ready for Review-XX 1/28 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-01/28/2026 Counter-Received HUD with disbursement date of XX/XX/XXXX. Opus is using a disbursement date of XX/XX/XXXX. The issue is the XX/XX/XXXX signature date on the Final CD. Provide verification that the final CD was received XX/XX/XXXX. Condition remains. - Due Diligence Vendor-01/21/2026 Ready for Review-XX 1/16 Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. - Due Diligence Vendor-01/16/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The rescission start date was based on the final CD receipt of XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:39 | 2026-04-17 07:06 | Cured | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured- - Due Diligence Vendor-04/17/2026 Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 Ready for Review-XX 2/12 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-02/12/2026 Counter-Received new RTC, LOX, and Fed ex. Missing proof of receipt. Proof of receipt can be evidenced through receipt/delivery confirmation from courier, executed NORTC, email acknowledgement, confirmation of electronic receipt, etc... Condition remains. - Due Diligence Vendor-01/30/2026 Ready for Review-XXTF 1/28 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-01/28/2026 Counter-Received HUD with disbursement date of XX/XX/XXXX. XXXX is using a disbursement date of XX/XX/XXXX. The issue is the XX/XX/XXXX signature date on the Final CD. Provide verification that the final CD was received XX/XX/XXXX. Condition remains. - Due Diligence Vendor-01/21/2026 Ready for Review-XX 1/16 Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. - Due Diligence Vendor-01/16/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The rescission start date was based on the final CD receipt of XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Cured-Received proof of receipt. Condition cured with a B grade. - Due Diligence Vendor-02/12/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305013540 | Closed | 2026-01-15 09:37 | 2026-01-15 09:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-02-06 10:32 | 2026-02-06 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-02/06/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/06/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | |||||
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:19 | 2026-02-06 10:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-. - Due Diligence Vendor-02/06/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/06/2026 Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/27/2026 |
Resolved-. - Due Diligence Vendor-02/06/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/06/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:44 | 2026-02-06 10:34 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved- - Due Diligence Vendor-02/06/2026 Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:33 | 2026-01-31 14:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 Ready for Review-XX 1/30 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-01/30/2026 Open- - Due Diligence Vendor-01/29/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304874540 | Closed | 2026-01-27 09:33 | 2026-01-31 14:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-01/31/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2026-01-02 09:54 | 2026-04-16 18:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received Gift funds clarification. - Due Diligence Vendor-01/21/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements missing gift letters - Due Diligence Vendor-01/02/2026 |
Resolved-Received Gift funds clarification. - Due Diligence Vendor-01/21/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2026-01-02 09:55 | 2026-01-21 16:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Gift Documentation | Resolved-Received explanation for Gift funds. Condition cleared. - Due Diligence Vendor-01/21/2026 Ready for Review-1/20 XX: After further clarification with the broker and the borrower's there was only a $XXX & $XXXX gift. There are no additional funds that were sent to title or the borrowers account. The loan used the 2 gifts and the borrowers chase business account. There is no additional documentation required. - Due Diligence Vendor-01/20/2026 Counter-Additional gift letters are not being requested. $XXX,XXX in gift funds has been verified as received. Provide verification that the remaining funds ($XXX,XXX) were transferred to the borrower. - Due Diligence Vendor-01/14/2026 Ready for Review-1/9 XX: There are no separate gift letters for $XXX,XXX & $XX,XXX since all of the funds are coming from the same donor. These gift funds are still apart of the $XXX,XXX gift. - Due Diligence Vendor-01/09/2026 Counter-Received gift letter for $XXX,XXX. The $XXX,XXX amount is showing on the final CD and a XXXXX XXXX statement verifies the $XX,XXX deposit. Provide verification that the remaining funds were transferred to the borrower. - Due Diligence Vendor-01/09/2026 Ready for Review-1/5 XX: Both gift amounts in the amount of $XXX,XXX & XX,XXX.XX are from the husband. They had to be split up in our system due to $XX,XXX of the $XXX,XXX Gift was deposited in XXXXX XXXXXXXX Checking #XXXX on XX/XX/XXXX and the remaining $XXX,XXX will be transferred at closing. Both gift amounts fall under this gift letter but since the amounts were wired separately there are no separate gift letters. - Due Diligence Vendor-01/05/2026 Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2)donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected. The gift documentation is missing for the gift funds listed on the final application. Missing gift letters for $XXX,XXX & $XX,XXX. - Due Diligence Vendor-01/02/2026 |
Resolved-Received explanation for Gift funds. Condition cleared. - Due Diligence Vendor-01/21/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2025-12-26 10:08 | 2025-12-26 10:35 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/26/2025 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/26/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305026149 | Closed | 2025-12-26 10:08 | 2025-12-26 10:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305033606 | Closed | 2026-02-09 12:46 | 2026-02-11 09:33 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide evidence that borrower received both appraisals at least 3 days prior to closing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/11/2026 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide evidence that borrower received both appraisals at least 3 days prior to closing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/11/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304911420 | Closed | 2026-01-13 13:07 | 2026-01-13 13:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/13/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305027306 | Closed | 2026-01-26 11:55 | 2026-01-26 11:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305029850 | Closed | 2026-02-11 12:51 | 2026-02-13 09:06 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received revised CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/13/2026 Ready for Review-XX 2/12: Please see the attached // - Due Diligence Vendor-02/13/2026 Open-The loan file is missing the Closing Disclosure corresponding to the COCs dated XX/XX/XXXX for change in Loan Program, Loan Amount and Rate. - Due Diligence Vendor-02/11/2026 |
Resolved-Received revised Cd dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/13/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305029850 | Closed | 2026-02-11 12:45 | 2026-02-11 12:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:46 | 2026-02-05 14:33 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026 Ready for Review-2/4 XX: This should not require a lender exception, there is not guidelines requiring AUS to be dated prior to closing. There is no difference whether this was ran today or a week before closing. - Due Diligence Vendor-02/04/2026 Counter-Received updated DU. Provide a lender exception allowing AUS report dated post-closing. Condition remains. - Due Diligence Vendor-01/30/2026 Ready for Review-1/29 XX: See attached AUS Findings - Due Diligence Vendor-01/29/2026 Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with Loan Amount and LTV. The DU reflects a loan amount of $XXX,XXX.XX; the loan closed with a loan amount of $XXX,XXX.XX. DU allows a maximum 5% reduction in loan amount for refinances, or $XXX,XXX.XX. Lender to provide corrected AUS with correct loan amount of $XXX,XXX.XX and corresponding LTV of 85%. - Due Diligence Vendor-01/23/2026 |
Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | |||
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:31 | 2026-02-02 13:15 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-COC XX/XX/XXXX reflected on CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/02/2026 Ready for Review-XX 2/2 Disagree. The Cofc dated XX/XX/XXXX was retired due to the change being disclosed on the CD that was sent out on XX/XX/XXXX along with the change from XX/XX/XXXX. - Due Diligence Vendor-02/02/2026 Counter- - Due Diligence Vendor-01/28/2026 Ready for Review-XX 1/27 Please see attached CofC and their respective Initial CDs disclosing the change - Due Diligence Vendor-01/27/2026 Open-Lender to provide the initial and all interim Closing Disclosures. The loan file contained COCs dated XX/XX/XXXX and XX/XX/XXXX and the Disclosure History reflects CD packages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 |
Received CDs dated XX/XX/XXXX and XX/XX/XXXX. Missing CD dated XX/XX/XXXX. Additional conditions may apply. - 01/28/2026 |
Resolved-COC XX/XX/XXXX reflected on CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-20 23:23 | 2026-01-28 09:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 Ready for Review-XX 1/27 Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX - Due Diligence Vendor-01/27/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305013383 | Closed | 2026-01-23 16:23 | 2026-01-23 16:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305025064 | Closed | 2026-01-29 14:48 | 2026-01-31 14:47 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-01/31/2026 Ready for Review-XX 1/30 Please see attached - Due Diligence Vendor-01/30/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties Notice of Right to Cancel signed by Co-Borrower was not found in the loan file. - Due Diligence Vendor-01/29/2026 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-01/31/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305025064 | Closed | 2026-01-29 15:01 | 2026-01-29 15:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 09:22 | 2026-04-16 18:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2026 Ready for Review-To address the following condition .. our records indicate The pulled credit does not indicate late payments with all PITI documented to current month of close as needed. The credit was pulled 1x with a re-issue date. The DU findings supports use of this bureau. To better clear the condition please advise which credit history is not taken into consideration? - Due Diligence Vendor-01/13/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-12/24/2025 |
Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/14/2026 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 09:23 | 2026-01-14 17:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 Ready for Review-To address the following condition: XXXX XXXXXXXX XX (Primary) -- $XXXX mtg payment (XX/escrowed) + $XX expenses (difference between documented taxes/HOI and monthly escrow) The XX.XX was added to the qualified DTI to support the difference from the escrowed PITI to the documented taxes and insurance in file. This was to insure the DTI fully supported the cost of the primary in the qualified DTI at final review. The PITI and payment history is fully documented for all costs on the primary residence. The escrow on the property is current and the T/I are supported in file. - Due Diligence Vendor-01/13/2026 Open-Documentation is missing to verify Primary Residence payment (Other amount) $XX. - Due Diligence Vendor-12/24/2025 |
Resolved-Explanation of Other Amount provided; condition resolved. - Due Diligence Vendor-01/14/2026 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 10:46 | 2025-12-24 10:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/24/2025 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/24/2025 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304893436 | Closed | 2025-12-24 10:46 | 2025-12-24 10:46 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/24/2025 |
XX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305028467 | Closed | 2026-02-13 08:25 | 2026-02-13 08:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 |
XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305042636 | Closed | 2026-03-02 09:28 | 2026-03-02 09:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/02/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/02/2026 |
XX | Second Home | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305037836 | Closed | 2026-02-27 12:10 | 2026-03-03 19:25 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-02/27/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-02/27/2026 |
XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305037836 | Closed | 2026-03-03 19:25 | 2026-03-03 19:25 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/04/2026 | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/04/2026 |
XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305034564 | Closed | 2026-02-12 14:45 | 2026-02-20 09:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Document provided confirming completion on XX/XX/XXXX - Due Diligence Vendor-02/20/2026 Ready for Review-The LE was electronically sent to the borrowers on XX/XX/XXXX please waive - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/17/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-Document provided confirming completion on XX/XX/XXXX - Due Diligence Vendor-02/20/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305060967 | Closed | 2026-03-17 13:38 | 2026-03-23 09:15 | Resolved | 1 - Information | Credit | Missing Doc | AUS Not Provided | Resolved-Lender provided the AUS/DU. Condition cleared. - Due Diligence Vendor-03/23/2026 Ready for Review-DU - Due Diligence Vendor-03/18/2026 Open-Missing AUS The final 1008 and the Lock Confirmation indicate that the loan was underwritten to an AUS (DU). Additionally, the income documentation was incomplete, it seems that reduced documentation was required per AUS. Additional conditions may apply. - Due Diligence Vendor-03/17/2026 |
Resolved-Lender provided the AUS/DU. Condition cleared. - Due Diligence Vendor-03/23/2026 |
XXXXXXX_1.pdf | XX | Second Home | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305060967 | Closed | 2026-03-17 06:26 | 2026-03-17 13:40 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 |
XX | Second Home | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 Resolved- - Due Diligence Vendor-12/31/2025 Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 |
Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:21 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 Resolved- - Due Diligence Vendor-12/31/2025 Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 |
Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:21 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 |
Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-22 13:57 | 2025-12-31 12:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/31/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Missing initial CD and any subsequent CDs reflecting changes corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 |
Resolved-Closing Disclosures and valid CoCs provided; condition resolved. - Due Diligence Vendor-12/31/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-18 12:35 | 2025-12-31 12:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Missing Closing Disclosures provided; condition resolved. - Due Diligence Vendor-12/31/2025 Resolved- - Due Diligence Vendor-12/31/2025 Ready for Review-XX 12/23: Please see the attached Closing Disclosures and COCs. Redisclosed LE/CDs are only required per TILA 1026.19(e)(3)(iv)(A) when the baseline for tolerances is being reset by the related COC. As the XX/XX/XXXX COC did not impact pricing, the baseline for tolerances did not need to be reset so a redisclosed LE was not issued. // - Due Diligence Vendor-12/23/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing initial CD and any subsequent CDs reflecting changes corresponding to the COC dated XX/XX/XXXX and XX/XX/XXXX. Compliance will be re-reviewed upon receipt of the initial CD and any subsequent CDs. Additional conditions may apply. - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/18/2025 |
Resolved-Missing Closing Disclosures provided; condition resolved. - Due Diligence Vendor-12/31/2025 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf XXXXXXX_5.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304904586 | Closed | 2025-12-18 11:26 | 2025-12-18 11:26 | Acknowledged | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Acknowledged-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX Appraisal reflects Total estimated cost- new is $XXX,XXX. Coverage exceeds requirement. - Due Diligence Vendor-12/18/2025 | Acknowledged-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX Appraisal reflects Total estimated cost- new is $XXX,XXX. Coverage exceeds requirement. - Due Diligence Vendor-12/18/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304993691 | Closed | 2026-01-08 23:32 | 2026-04-17 14:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/17/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided; condition resolved. - Due Diligence Vendor-01/15/2026 Ready for Review-01/14/26 - XX: Please see the attached AVM. - Due Diligence Vendor-01/14/2026 Ready for Review-AVM - Due Diligence Vendor-01/13/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/09/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/17/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided; condition resolved. - Due Diligence Vendor-01/15/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305029891 | Closed | 2026-01-23 19:50 | 2026-03-12 08:37 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender attestation received stating that only two disclosures dated XX/XX/XXXX were provided to the borrower. The Lender also provided CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/12/2026 Ready for Review-XX 3/11: Please see the attached Lender attestation regarding the previously cited redisclosures, as well as the requested 1-5 CD and COC dated XX/XX/XXXX for the relock - Due Diligence Vendor-03/11/2026 Counter-Please confirm the following: Although Change of Circumstances dated XX/XX/XXXX and XX/XX/XXXX were in the file, and the disclosures reflected loan amounts of $XXX,XXX $XXX,XXX, and $XXX,XXX with interest rates of 6.25%, 6.50%, and 7.375%, a re-disclosure was not required due to the corrected information. We only need verification that an updated LE or CD was not issued to the borrower that may be missing from the loan file. - Due Diligence Vendor-03/11/2026 Ready for Review-XX 3/9: The changes on the cited COCs were either corrected or removed within the 3 day redisclosure period. As the cited changes were either removed or corrected at least 7 days prior to consummation, additional redisclosure of information overwritten or removed is considered superfluous and inundates the consumer with out-of-date inaccurate information regarding the structure of their loan. Please provide the reg or citation that states all overwritten changes be provided as we have not identified any guideline requiring this. - Due Diligence Vendor-03/10/2026 Counter-Received an Operating income statement instead of TRID documents. Please confirm if the XX/XX/XXXX COCs resulted in Closing disclosures being provided to the borrower. Also, a tracking doc shows a Closing disclosure package delivered to the borrower XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX disclosure was not provided to XXXX. Please also confirm if XX/XX/XXXX CD was provided to the borrower. Provide all TRID docs that were provided to the borrower. Condition remains. - Due Diligence Vendor-02/24/2026 Ready for Review-XX 2/22 Please see attached. - Due Diligence Vendor-02/22/2026 Counter-Received 2 CDs dated XX/XX/XXXX. The COCs in file reflect disclosures that were not provided to XXXX for review. The COCs, dated XX/XX/XXXX and XX/XX/XXXX, state disclosures were provided with loan amounts of $XXX,XXX.XX, $XXX,XXX.XX, $XXX,XXX and with interest rates of 6.25, 6.50, and 7.375 respectively. Provide all missing disclosures. - Due Diligence Vendor-01/29/2026 Ready for Review-XX 1/27: Please see the attached // - Due Diligence Vendor-01/28/2026 Open-Lender to provide the initial and all interim Closing Disclosures including those corresponding to the COCs dated XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender attestation received stating that only two disclosures dated XX/XX/XXXX were provided to the borrower. The Lender also provided CD dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/12/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf XXXXXXX_5.pdf XXXXXXX_6.pdf XXXXXXX_7.pdf XXXXXXX_8.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305029891 | Closed | 2026-01-23 12:48 | 2026-01-29 16:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial Closing disclosure. Condition cleared. - Due Diligence Vendor-01/29/2026 Ready for Review-XX 1/27: Please see the attached // - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Resolved-Received the Initial Closing disclosure. Condition cleared. - Due Diligence Vendor-01/29/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf XXXXXXX_4.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305037563 | Closed | 2026-02-18 08:37 | 2026-02-22 14:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received 1/13/2026 CD and proof of receipt. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-Resolved - Due Diligence Vendor-02/22/2026 Ready for Review-ICD was sent XX/XX/XXXX this meets reg z - Due Diligence Vendor-02/20/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Resolved-Received XX/XX/XXXX CD and proof of receipt. Condition cleared. - Due Diligence Vendor-02/22/2026 Resolved-Resolved - Due Diligence Vendor-02/22/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305037563 | Closed | 2026-02-18 08:53 | 2026-02-18 11:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/18/2026 |
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304909882 | Closed | 2026-04-17 11:03 | 2026-04-17 11:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/17/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305039516 | Closed | 2026-02-19 08:49 | 2026-02-19 08:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-04 11:40 | 2026-03-11 10:44 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-Lender provided the same Homeownership Counseling Disclosure dated XX/XX/XXXX, that was already in the file. The disclosure date XX/XX/XXXX is more than 3 days after the application date of XX/XX/XXXX. Condition retained; however, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/11/2026 Ready for Review-disclosure uploaded. - Due Diligence Vendor-03/10/2026 Open-. - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Acknowledged-Lender provided the same Homeownership Counseling Disclosure dated XX/XX/XXXX, that was already in the file. The disclosure date XX/XX/XXXX is more than 3 days after the application date of XX/XX/XXXX. Condition retained; however, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/11/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/04/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | |||
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-05 08:40 | 2026-03-09 17:26 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 Ready for Review-Initial LE - Due Diligence Vendor-03/06/2026 Open-Loan Estimate disclosure is missing or incomplete The loan file is missing the Loan Estimate dated XX/XX/XXXX as reflected on the XXXXXX report. Compliance testing is not complete, additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-04 11:50 | 2026-03-09 17:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 Resolved- - Due Diligence Vendor-03/09/2026 Ready for Review-initial LE - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Received the Initial Loan Estimate. Condition cleared. - Due Diligence Vendor-03/09/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305054904 | Closed | 2026-03-05 08:38 | 2026-03-05 08:38 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 | Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305033613 | Closed | 2026-02-23 14:07 | 2026-02-23 14:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304963607 | Closed | 2025-12-17 14:55 | 2025-12-18 07:37 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX; however, loan disbursed XX/XX/XXXX. - Due Diligence Vendor-12/18/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX; however, loan disbursed XX/XX/XXXX. - Due Diligence Vendor-12/18/2025 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305060947 | Closed | 2026-03-12 10:10 | 2026-03-16 14:51 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Borrower 1 Credit Report is Expired | Acknowledged-Based on the LTV of 55% and <40% DTI. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026 Open-The Lender's guidelines require that the credit report be no more than 90 days before the Note date. The credit report dated XX/XX/XXXX is more than 90 days prior to the Note date of XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 |
Acknowledged-Based on the LTV of 55% and <40% DTI. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305060947 | Closed | 2026-03-12 10:09 | 2026-03-12 10:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305028486 | Closed | 2026-02-09 14:11 | 2026-02-17 15:00 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/17/2026 Ready for Review-E-Consent - Due Diligence Vendor-02/17/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-02/09/2026 |
Resolved-E-Consent documentation for borrower(s) provided. Finding resolved - Due Diligence Vendor-02/17/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/17/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305028486 | Closed | 2026-02-13 11:44 | 2026-02-13 11:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-17 16:48 | 2026-04-17 09:12 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-02/19/2026 Ready for Review-Note - Due Diligence Vendor-02/18/2026 Open-The Note is Incomplete Page 3 of the Note document is missing. - Due Diligence Vendor-02/18/2026 |
Resolved-The Note is Present - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-18 08:22 | 2026-02-19 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received 2nd lien HELOC Note. Condition cleared. - Due Diligence Vendor-02/19/2026 Ready for Review-HELOC Agreement - Due Diligence Vendor-02/18/2026 Open-Missing a copy of the new simultaneous 2nd lien note. Additional conditions may apply upon receipt of the required documentation. - Due Diligence Vendor-02/18/2026 |
Resolved-Received 2nd lien HELOC Note. Condition cleared. - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305036788 | Closed | 2026-02-17 18:31 | 2026-02-19 10:05 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026 Ready for Review-Current HOI showing effective date of XX/XX/XXXX - Due Diligence Vendor-02/18/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/18/2026 |
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305063856 | Closed | 2026-03-25 10:39 | 2026-03-25 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305064015 | Closed | 2026-03-04 15:33 | 2026-04-01 14:01 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Received letter of intent to re-record and XXXXXXXXX affidavit. Condition cleared. - Due Diligence Vendor-04/01/2026 Ready for Review-Please see attached fully executed XXXXXXXXX Affidavit with letter of intent to re-record. - Due Diligence Vendor-03/30/2026 Counter-The affidavit alone is insufficient to clear condition. Proof of intent to re-record is required to clear. - Due Diligence Vendor-03/26/2026 Ready for Review-XXX - will you please review and let us know if this is acceptable. If it is acceptable it will be signed and a letter of intent to re-record will be uploaded. - Due Diligence Vendor-03/24/2026 Open-The Deed of Trust is Incomplete The Mortgage has the incorrect notary date of XX/XX/XXXX. Lender to provide corrected document and either proof of recording or letter of intent to re-record. - Due Diligence Vendor-03/04/2026 |
Resolved-Received letter of intent to re-record and XXXXXXXXXX affidavit. Condition cleared. - Due Diligence Vendor-04/01/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305064015 | Closed | 2026-03-04 15:45 | 2026-03-04 15:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057091 | Closed | 2026-03-13 17:27 | 2026-03-13 17:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305057089 | Closed | 2026-03-03 11:25 | 2026-03-03 11:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305051883 | Closed | 2026-03-05 13:35 | 2026-03-05 13:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-09 07:53 | 2026-03-13 08:23 | Resolved | 1 - Information | Compliance | Disclosure | Disclosure(s) for Borrower electronically dated prior to E-Consent | Resolved-Lender provided print-screen of LOS reflecting E-Consent date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/13/2026 Ready for Review-Please see attached - Due Diligence Vendor-03/13/2026 Counter-The Loan Estimate was e-signed by the Borrower on XX/XX/XXXX which is prior to the E-Consent dated XX/XX/XXXX (as evidenced by both the eDisclosure Agreement and the OneSpan Electronic Evidence Summary). The E-Signature cannot be prior to the E-Consent. Condition retained. - Due Diligence Vendor-03/11/2026 Ready for Review-See attached - Due Diligence Vendor-03/10/2026 Open-Disclosure(s) dated XX/XX/XXXX is prior to E-Consent from Borrower dated XX/XX/XXXX. - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided print-screen of LOS reflecting E-Consent date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-03/13/2026 |
XXXXXXX_1.pdf XXXXXXX_1.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-02 03:45 | 2026-03-09 07:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305055880 | Closed | 2026-03-09 07:49 | 2026-03-09 07:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305064014 | Closed | 2026-03-10 14:13 | 2026-03-13 16:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/10/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305064014 | Closed | 2026-03-13 16:17 | 2026-03-13 16:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305063616 | Closed | 2026-03-06 15:13 | 2026-03-17 10:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305063616 | Closed | 2026-03-17 10:35 | 2026-03-17 10:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 305066285 | Closed | 2026-03-11 03:23 | 2026-03-18 15:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/18/2026 Ready for Review-See Attached - Due Diligence Vendor-03/16/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/11/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/18/2026 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305059301 | Closed | 2026-03-13 04:04 | 2026-03-15 12:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/13/2026 | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||
| XXXXXX | XXXXXX | XXXXXX | 304896233 | Closed | 2025-12-14 19:29 | 2025-12-21 09:20 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/21/2025 Ready for Review-Please see attached approved XXXX residency extension - Due Diligence Vendor-12/17/2025 Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/15/2025 |
Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/21/2025 |
XXXXXXX_1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 304896233 | Closed | 2025-12-14 23:26 | 2025-12-21 09:20 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-12/21/2025 Ready for Review-Please see attached Title and Supplement - Due Diligence Vendor-12/17/2025 Open-Title Document is missing - Due Diligence Vendor-12/15/2025 |
Resolved-Title Document is not Missing - Due Diligence Vendor-12/21/2025 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305053344 | Closed | 2026-02-24 13:14 | 2026-04-17 13:27 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 40.81% is less than or equal to AUS DTI of % - Due Diligence Vendor-04/17/2026 Resolved-Lender provided revised AUS reflecting lower income and higher DTI of 40.81% with recommendation of Approve/Ineligible. Condition cleared. - Due Diligence Vendor-03/11/2026 Ready for Review-Revised 1008 and AUS - Due Diligence Vendor-03/11/2026 Open-Audited DTI of 40.81% exceeds AUS DTI of 35.34% Lender used base income of $XX,XXX.XX to qualify; however, paystub dated XX/XX/XXXX does not support lender income. The paystub in file shows a bi-weekly income amount of $X,XXX.XX x 26/12 = $XX,XXX.XX which is further supported by a WVOE dated XX/XX/XXXX. Provide additional income documentation to support income used to qualify. - Due Diligence Vendor-02/24/2026 |
Resolved-Audited DTI of 40.81% is less than or equal to AUS DTI of % - Due Diligence Vendor-04/17/2026 Resolved-Lender provided revised AUS reflecting lower income and higher DTI of 40.81% with recommendation of Approve/Ineligible. Condition cleared. - Due Diligence Vendor-03/11/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:11 | 2026-02-25 10:18 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Audited Reserves of 5.5 month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 Open-Audited Reserves of 5.5 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client overlay fully amortizing QM matrix reserves defers to DU required reserves. DU requires 6 months reserves for a primary residence, cashout refinance with a DTI exceeding 45%. Sufficient assets not verified in file. - Due Diligence Vendor-02/23/2026 |
Resolved-Audited Reserves of 5.5 month(s) are greater than or equal to Guideline Required Reserves of 5 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 Resolved-Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/25/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:18 | 2026-02-25 10:14 | Resolved | 1 - Information | Credit | Closing | Invalid AUS | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 Open-The lender's guidelines indicate that the ineligible DU recommendation can only be for the loan amount exceeding agency guidelines; however, DU #2 indicates the following: "The debt-to-income ratio on this loan casefile is 47.03 and the number of months of reserves is 5. This loan casefile is ineligible for delivery as the loan does not meet the minimum reserve requirement of 6 months for cash-out refinance transactions where the debt-to-income ratio exceeds 45 percent." The personal bank statement in file contains a large unsourced deposit on XX/XX/XXXX which was removed from qualifying assets. - Due Diligence Vendor-02/23/2026 |
Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| XXXXXX | XXXXXX | XXXXXX | 305053351 | Closed | 2026-02-23 13:05 | 2026-02-25 10:14 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX The lender's guidelines indicate that the ineligible DU recommendation can only be for the loan amount exceeding agency guidelines; however, DU #2 indicates the following: "The debt-to-income ratio on this loan casefile is 47.03 and the number of months of reserves is 5. This loan casefile is ineligible for delivery as the loan does not meet the minimum reserve requirement of 6 months for cash-out refinance transactions where the debt-to-income ratio exceeds 45 percent." The personal bank statement in file contains a large unsourced deposit on XX/XX/XXXX which was removed from qualifying assets. - Due Diligence Vendor-02/23/2026 |
Resolved-Client purchase criteria notes that AUS products may defer to AUS requirements for reserves. AUS requires 5 months reserves; borrower has 5.5 months. Condition resolved. - Due Diligence Vendor-02/25/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |