Exhibit 99.15
Exception Grades
Run Date - 5/20/2026 11:05:11 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 225541938 | 3158625716 | 36400651 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Only copies of the disclosure in file is dated the date of closing, and/or signed by borrowers the date of closing. | Reviewer Comment (2026-05-07): the form is required to be provided to the borrower within a reasonable time prior to closing, regardless of knowledge of current flood insurance status. Buyer Comment (2026-05-07): Please review flood insurance policy in effect during application process |
2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541940 | 3158625720 | 36393759 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541942 | 3158625723 | 36382372 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of %. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Escalation Form in file for lender exceptions to the DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Exception approved with comp factors. |
05/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225541942 | 3158625723 | 36382376 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy |
Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. |
Universal Escalation Form in file for lender exceptions to the DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Exception approved with comp factors. |
05/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225541943 | 3158625724 | 36370874 | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete | Note was not signed. | Reviewer Comment (2026-05-04): signed copy of note received Buyer Comment (2026-05-01): Execute Note located in file build Pgs [Redacted]-[Redacted] |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541943 | 3158625724 | 36370949 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-19): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-04): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-01): Do not Concur. Section E tolerance violation was already cured at closing |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541943 | 3158625724 | 36370950 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the final CD. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-05): [Redacted] received a valid COC. Buyer Comment (2026-05-04): Do not concur. Valid CIC for Interest rate and Loan points [Redacted] Reviewer Comment (2026-05-04): [Redacted] received system snip with additional information for a valid Changed circumstance. However, the fee further increases of $[Redacted] from $[Redacted] on [Redacted] CD and file does not contain valid COC for the fee was increased. Provide valid COC for the fee was increased or Cure is required to borrower. Buyer Comment (2026-05-01): Do not Concur. Initial Loan lock [Redacted]. LEv4 disclosed timely same day |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541943 | 3158625724 | 36399278 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At Closing |
05/05/2026 | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225541944 | 3158625726 | 36379504 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225541947 | 3158625732 | 36371367 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-05): [Redacted] received system snip and LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-05-01): Do not Concur. Appraisal is being re-used. Valid CIC [Redacted] and CDv1 disclosed timely |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541949 | 3158625735 | 36371141 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-05-04): desk review received, supporting the appraisal value Buyer Comment (2026-05-04): Please see attached CDA. |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541949 | 3158625735 | 36372636 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for loan discount points. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): [Redacted] received rate lock history and as per COC dated [Redacted]. Buyer Comment (2026-05-06): Please see lock expiration as requested Reviewer Comment (2026-05-05): [Redacted] received COC dated [Redacted] for increase in loan amount also as per comment the LE v-4 was expired however, as per rate lock dated [Redacted] the rate lock is expiring on [Redacted]. The COC reason provided is not sufficient as only loan amount cannot lead to add in discount points there must be another reason for change in pricing like re-lock of loan or lock extension or change in loan program or all of them. Please provide additional information for change in pricing or cure would be due. Buyer Comment (2026-05-01): Do not Concur. LEv1-4 Expired. Valid CICs for loan amount and loan points [Redacted]. LEv6 disclosed timely |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541949 | 3158625735 | 36372637 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for appraisal fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-08): valid COC with timely disclosure received Buyer Comment (2026-05-07): Do not Concur. Valid CIC for Change to the Estimated Market Value [Redacted]. LEv4 disclosed timely Reviewer Comment (2026-05-07): [Redacted] received appraisal valuation history but as per file the fee was increased on LE dated [Redacted]. Please provide VCC for increase in fee from $[Redacted] to $[Redacted]or cure would be due to borrower. Buyer Comment (2026-05-06): Please see attached VCCUD of [Redacted] Reviewer Comment (2026-05-05): [Redacted] received rebuttal comment that LE was expired as ITP was received on [Redacted] but as per file the borrower has accepted the rate lock terms which are expiring on [Redacted] on [Redacted] LE. Please provide VCC for revised appraisal fee or cure would be required. Buyer Comment (2026-05-01): Do not Concur. LEv1-4 Expired. ITP wasn't given until [Redacted]. Appraisal $[Redacted] was disclosed upfront |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541949 | 3158625735 | 36454443 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. |
Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-12): Exception approved with comp factors. |
05/12/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225541949 | 3158625735 | 36454447 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. than [Redacted] years. exceed the amount required based on the guidelines by at least [Redacted] months. ne minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-12): Exception approved with comp factors. |
05/12/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | A | B | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225541950 | 3158625736 | 36369856 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Need sufficient cure amount for [Redacted]%. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541952 | 3158625739 | 36405413 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225541953 | 3158625741 | 36372670 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]%, or $[Redacted]. This is $[Redacted] over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-20): reopen Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Please see system snip and final signed CD showing that the cure for the recording fees was already provided at closing on the signed CD. Reviewer Comment (2026-05-13): [Redacted] Pricing change is not a valid reason for increased recording fee. Recording fee increased on CD dated [Redacted] and [Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-05-12): Do Not Concur. Please see CIC system snips for Loan Lock, interest rate, and loan point changes that were disclosed on [Redacted]. The pricing can fluctuate prior to the loan being locked. Reviewer Comment (2026-05-04): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% and [Redacted]% exception. We will clear the exception once we received resolution on the Loan discount point fee exception citing. Exception remains. Buyer Comment (2026-05-04): Do Not Concur. The increase in the [Redacted]% fees due to the CEMA fee was cured at closing in the amount of $[Redacted], please see system snip and closing CD. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541953 | 3158625741 | 36372671 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. This is $[Redacted] over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-12): [Redacted] received a valid COC. Buyer Comment (2026-05-11): Do Not Concur. Please see CIC system snips for Loan Lock, interest rate, and loan point changes that were disclosed on [Redacted]. The pricing can fluctuate prior to the loan being locked. Reviewer Comment (2026-05-07): [Redacted] received rebuttal comment but as per file there seems to be no COC provided for rate lock. As per file locked LE is issued on [Redacted] with discount points of $[Redacted]. Please provide COC to re-baseline the fee. Exception will be re-reviewed. Buyer Comment (2026-05-06): Do Not Concur. Please see that the loan rate was actually not locked until [Redacted] and the discount points increased to $[Redacted] on [Redacted]. The pricing can change and points can fluctuate prior to the loan being locked. Reviewer Comment (2026-05-04): [Redacted]: The cure provided at closing is insufficient to resolve all cited [Redacted]% and [Redacted]% tolerance exceptions. The loan discount points fee exceeds tolerance by $[Redacted] due to an increase from a baseline of $[Redacted] to $[Redacted]. To re-baseline this exception, [Redacted] requires a valid COC supporting the fee added and increased on the LE and CD. If a valid COC is not provided, an additional cure of $[Redacted] is required to be issued to the borrower. Buyer Comment (2026-05-04): Do Not Concur. The increase in the Discount Points was cured at closing in the amount of $[Redacted], please see system snip and closing CD. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541953 | 3158625741 | 36451028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | SitusAMC received COC.However, the lender credit decreased on CD dated [Redacted]. Kindly provide a valid COC for the fee decreased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-05-15): valid change of circumstance with timely delivery of fee change received Buyer Comment (2026-05-15): Do not Concur. Valid CIC for product change, Affordable credit change, Interest rate change on [Redacted]. See attached loan journal notes. The Product changed. The loan was declined for a agency loan and approved for a non agency flex. The loan had to be reworked and the customer agreed on the affordable credit being lost. CDv2 disclosed same day customer was contacted. Reviewer Comment (2026-05-15): [Redacted] received the system snippet along with a rebuttal comment indicating a change of circumstance due to a product change. However, [Redacted] also required additional information explaining on what new information was received that required to change in the product triggered the need to remove the lender credit. Provide additional information to support a pricing change for the lender credit decrease or cure would be due. Buyer Comment (2026-05-13): Do Not Concur. [Redacted] is stating that the lender credit of $[Redacted] was removed on the CD issued on [Redacted], however the evidence already provided shows that the lender credit of $[Redacted] (which was an affordable credit tied to the product before it changed) was already removed on the CD that issued on [Redacted] version 2, with a valid CIC for the product change. Reviewer Comment (2026-05-13): [Redacted] Received COC dated [Redacted]; however, lender credit removed from CD dated [Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-05-12): Do Not Concur. The product changed on [Redacted] and when this happened the affordable credit of $[Redacted] could no longer be offered on this product so it was removed and this disclosed timely on CD v2. |
05/15/2026 | 1 | A | A | A | A | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225541954 | 3158625743 | 36371246 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541956 | 3158625747 | 36382933 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance calculations are based on Closing Disclosure dated [Redacted]). |
Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. The disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on the Closing Disclosure dated [Redacted]. | Reviewer Comment (2026-05-13): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-05-12): Please see PCCD and Refund for $[Redacted] for the US Patriot Act Fee Reviewer Comment (2026-05-08): Fees included in the calculation of the finance charge are: Attorney Fee - $[Redacted], Flood Certificate (LoL) - $5, LDP - $[Redacted], Interest - $[Redacted], Processing fee - $[Redacted], Tax service fee (LoL) - $[Redacted], Title -Courier - $[Redacted], Title - Recording Service - $[Redacted], Title - US Patriot Search - $[Redacted], Verification Fee (Financial) - $[Redacted], Verification Fee (ID) - $[Redacted]. for a total of $[Redacted]. Additionally, fee purpose determines inclusion or exclusion of a fee in finance charge calculations. 1026.4(c)(7) states what fees may be excluded. They are; (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-05-07): Do Not Concur. I am still not able to determine which fees [Redacted] used in determining the finance charge variance provided of $[Redacted], but [Redacted] reached out to title and got explanation on two fees, please see attached. Reviewer Comment (2026-05-06): Per 1026.4(c)(7) fees paid for the following service may be excluded. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Further 1026.4(c)(7) goes on to explain; 1. Real estate or residential mortgage transaction charges. The list of charges in §1026.4(c)(7) applies both to residential mortgage transactions (which may include, for example, the purchase of a mobile home) and to other transactions secured by real estate. The fees are excluded from the finance charge even if the services for which the fees are imposed are performed by the creditor's employees rather than by a third party. In addition, the cost of verifying or confirming information connected to the item is also excluded. For example, credit-report fees cover not only the cost of the report but also the cost of verifying information in the report. In all cases, charges excluded under §1026.4(c)(7) must be bona fide and reasonable. Buyer Comment (2026-05-05): Do Not Concur. Please clarify which fees were used in calculation... the ALTA 28.2 Endorsement fee $[Redacted] was not treated by [Redacted] as a pre-paid fee, Bona fide third-party charges that the borrower can shop for are excluded from the finance charge under Regulation Z. The ALTA 8.1 Environmental fee $[Redacted] is considered a bona fide third-party charge that the borrower can shop for, so [Redacted] excluded it from the finance charge under Regulation Z. The fee for the Waiver of Arbitration Endorsement $[Redacted], when paid to the title company, is generally not included in the finance charge since it was third party fee. |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541956 | 3158625747 | 36382936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-19): [Redacted] received rebuttal. additional cure of $[Redacted] is required to cure the exception. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-15): Concur. Please see system snip showing cure for recording fee $[Redacted] and Cema fee $[Redacted] were present on the final signed CD and advise of final amount needed to cure for resolution. Reviewer Comment (2026-05-15): [Redacted] received rebuttal comment, however, please see doc ID D1364 LE dated [Redacted] ver-1, the recording fee disclosed of $[Redacted] and the fee further increase of $[Redacted] from $[Redacted] on revised LE dated [Redacted] (D1362) without VCCs. This is causing the recording fee exceeds of over [Redacted]% tolerance. A valid COC for the fee increased or Cure is required to borrower. Buyer Comment (2026-05-14): Please see system snip of LE History screen showing that the LE version 1 that was sent to the customer, did have the recording fees totaling $[Redacted]. Reviewer Comment (2026-05-14): We are calculating the [Redacted]% fee tolerance baseline from the Initial LE. There are two versions of the [Redacted] LE, See doc ID 1364 & Doc ID 1362. The only differences are the recording fees in Section E on page 2 with $[Redacted] on Sequence #1 and $[Redacted] on Sequence #2. [Redacted] is utilizing the Sequence #1 at $[Redacted] for the baseline of the [Redacted]% fee tolerance, and make the baseline at $[Redacted] ($[Redacted] = [Redacted]%/$[Redacted] = $[Redacted]) The next sequence #2 then increased the recording fees to $[Redacted] which is the baseline the lender appears to be utilizing for their calculations. We have sequenced the LE's as assumed with the lower recording fee on the initial LE. If this LE was not disclosed to borrower, or was disclosed as sequence #2, we could reset the baseline, but this would require the lender to provide documentation to support which was disclosed first or proof it was not disclosed at all. Otherwise, a valid changed circumstance would need to be provided to rebaseline the recording fees to the $[Redacted] amount on LE [Redacted] sequence #2. A valid reason would need to be established and documented accordingly. Otherwise, the cure amount for the [Redacted]% tolerance is correct at $[Redacted] and cure at closing was short $[Redacted] and due borrower still Buyer Comment (2026-05-13): Do Not Concur. I see that there was an additional LE v1 disclosing recording fees at $[Redacted], and now that the borrower selected their own atty or title, however on the CD that was signed at closing the cure was corrected to be $[Redacted] for the increase in recording fees over what was disclosed, please see snip of the final CD. Reviewer Comment (2026-05-07): [Redacted] received rebuttal comment and as per which the baseline of the [Redacted]% fee is considered as $[Redacted] and after adding [Redacted]% tolerance $[Redacted]. But, to consider the baseline for recording fee as $[Redacted] we need a COC for increase in fee on revised LE dated [Redacted] as initial LE has recording fee of $[Redacted]. Without VCC recording fee cannot be re-baselined. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-05-06): Do Not Concur. Total baseline fees sum to $[Redacted]. Total actual fees sum to $[Redacted]. The [Redacted]% tolerance on baseline fees is $[Redacted]. The allowed maximum fees (baseline + [Redacted]% tolerance) is $[Redacted]. Since actual fees ($[Redacted]) exceed the allowed maximum, a cure is required. The cure amount is the difference: $[Redacted] - $[Redacted] = $[Redacted]. Then there was a $[Redacted] cure for the [Redacted] Attorney Fee which was a [Redacted]% tolerance fee. Please see Fee Tolerance Details System Snip which shows this breakdown. The recording fees are not to be treated as if they are the only [Redacted]% fees standing alone but rather included in the calculation with the other 10% fees. Reviewer Comment (2026-05-06): [Redacted] received LOX that the cure was provided at closing. However, as per file the recording fee disclosed at initial is $[Redacted] and charged at final is $[Redacted]. The total cure required after adding [Redacted]% tolerance is $[Redacted]. The cure provided at closing is not sufficient to cover the same. Please provide proper fee bifurcation for adding any valid recording fee on LE dated [Redacted] or total cure of $1[Redacted] is required. Buyer Comment (2026-05-05): Do Not Concur. Please see that the [Redacted] Attorney Fee and the Recording Fees both increased due to the loan qualifying for [Redacted] CEMA, the cure that was provided on the final CD at closing in the amount of $[Redacted] was sufficient, please see system snips showing the cure breakdown. |
3 | C | C | C | C | C | C | C | C | C | C | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225541956 | 3158625747 | 36382938 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of $1,295.00. [Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-06): [Redacted] received valid COC. Buyer Comment (2026-05-05): Do Not Concur. Please see system notes explaining that this property is complex and why the appraisal had to be adjusted for complexity. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541956 | 3158625747 | 36382939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-06): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-05): Do Not Concur. Please see that the [Redacted] Attorney Fee and the Recording Fees both increased due to the loan qualifying for [Redacted] CEMA, the cure that was provided on the final CD at closing in the amount of $[Redacted] was sufficient, please see system snips showing the cure breakdown. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541957 | 3158625750 | 36371506 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-05-04): desk review received, supporting the appraisal value Buyer Comment (2026-05-04): Please see attached CDA. |
05/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541957 | 3158625750 | 36371622 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-04): [Redacted] Received rate lock dated [Redacted]. Buyer Comment (2026-05-01): Do not Concur. Initial loan lock [Redacted]. LEv3 disclosed same day. Loan points and premium pricing can float until this happens. Loan closed with points disclosed at initial lock. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541957 | 3158625750 | 36371623 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-04): [Redacted] Received rate lock dated [Redacted]. Buyer Comment (2026-05-01): Do not Concur. Initial loan lock [Redacted]. LEv3 disclosed same day |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541957 | 3158625750 | 36374329 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Reviewer Comment (2026-05-07): client accepts condition as an EV2 Reviewer Comment (2026-05-07): Regraded to EV2-B based on H-8 form used. Buyer Comment (2026-05-07): We do accept this finding as an EV2-B Reviewer Comment (2026-05-04): For a scenario where there are multiple payoffs to different creditors, where at least one payoff is to the original creditor, [Redacted] has been advised by its counsel that use of the H-9 form would be more appropriate. However, [Redacted] is agreeable to downgrading the exception in this scenario to an EV2-B if the H-8 model form is used. Please confirm if you accept this finding as an EV2-B and we can adjust the rating. Buyer Comment (2026-05-04): Do not Concur. Multiple loans are being paid off. H8 form is correct. |
05/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541958 | 3158625751 | 36379514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over the legal limit. File did not contain a valid Change of Circumstance and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-07): [Redacted] received valid COC document Buyer Comment (2026-05-05): Do Not Concur. The loan locked, loan amount changed, and loan points changed to $[Redacted] setting the baseline, the discount points decreased prior to closing, please see system snips depicting the CICs. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541959 | 3158625753 | 36381410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were previously disclosed to the borrower on the Loan Estimate as $[Redacted], but they increased on the Closing Disclosure to $[Redacted] with no valid Change of Circumstance found and no cure provided to the borrower. | Reviewer Comment (2026-05-07): [Redacted] received rate lock COC dated [Redacted]. Buyer Comment (2026-05-06): Do not Concur. Initial Loan lock [Redacted]. Loan points can float until this happens. LEv5 disclosed same day |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541960 | 3158625754 | 36372055 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541961 | 3158625755 | 36380878 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-05-01): desk review received with a value supporting the appraised value |
05/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541963 | 3158625759 | 36373511 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At Closing |
04/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225541964 | 3158625760 | 36370851 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-04): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-05-01): Do not Concur. Valid CICs for loan amount and interest rate [Redacted]. Cdv2 disclosed timely |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541966 | 3158625763 | 36371566 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. | Reviewer Comment (2026-05-04): undiscounted interest rate and rate price has been received Buyer Comment (2026-05-04): Do Not Concur. Please see reg testing and QM information attached |
05/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541966 | 3158625763 | 36371567 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-05-04): undiscounted interest rate and rate price has been received Buyer Comment (2026-05-04): Do Not Concur. Please see reg testing and QM information attached |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541966 | 3158625763 | 36371569 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-04): valid COC and timely disclosure received Buyer Comment (2026-05-04): Do Not Concur. The loan amount changed significantly on [Redacted] and the transfer tax increased disclosed timely on CD v5. |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541967 | 3158625765 | 36401071 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as $-[Redacted] on Loan Estimate but disclosed as $-[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-20): reopen Reviewer Comment (2026-05-05): Cured at closing or within 60 days of consummation prior to TPR review |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541968 | 3158625766 | 36371433 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-05-18): final title policy received Buyer Comment (2026-05-18): Final Title provided |
05/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541969 | 3158625770 | 36382280 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds the limits, and sufficient compensating factor was supported. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-04): Universal Product Exception Form in file, exception approved with comp factors. |
05/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225541969 | 3158625770 | 36382283 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds the limits. Lender exception was provided. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-04): Universal Product Exception Form in file, exception approved with comp factors. |
05/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225541972 | 3158625777 | 36373756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-06): [Redacted] received valid COC documents. Buyer Comment (2026-05-05): Do Not Concur. Please see that the product changed and the interest rate changed on [Redacted] which caused pricing and discount points to change, this was disclosed timely on CD v3. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541972 | 3158625777 | 36373757 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. Fee amount of $[Redacted] exceeds the tolerance of $0.00. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-06): [Redacted] received valid COC documents. Buyer Comment (2026-05-05): Do Not Concur. Please see that the purchase contract was received on [Redacted] and then the transfer taxes were disclosed timely on the next LE v3. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541975 | 3158625781 | 36373663 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Final Policy Short Form Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Final Policy Short Form Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): Upon further review consumer within [Redacted]% tolerance requirements. Buyer Comment (2026-05-06): Please clarify which fee AMC is looking at for the Title - Final Policy Short Form Fee |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541975 | 3158625781 | 36373664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - ALTA 8.1 Environmental Protection Lien. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - ALTA 8.1 Environmental Protection Lien. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): Upon further review consumer within [Redacted]% tolerance requirements. Buyer Comment (2026-05-06): Do Not Concur. Please see CICs on [Redacted] and [Redacted], the ALTA Environmental Fee was disclosed on CD v1 which issued on [Redacted]. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541977 | 3158625783 | 36374117 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-07): valid COC and timely disclosure received Buyer Comment (2026-05-07): Do Not Concur. Please see CICs for changes which allowed [Redacted]% fees to increase, the recording fees increased to $[Redacted] and decreased prior to closing. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541977 | 3158625783 | 36374118 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Final Closing Disclosure (Material Disclosures) Provided to All Parties | Truth in Lending Act: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Unable to determine if all parties received CD as file does not contain a final signed CD. | Reviewer Comment (2026-05-07): system snips, letter and CD received and acceptable Buyer Comment (2026-05-07): Do Not Concur. Please see system snips and printed letter and CD sent to the non-borrowing title holder on [Redacted], there were no material changes between that CD and the closing CD that would have required a new 3 day waiting period to be established. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Evidence of earlier receipt of accurate material disclosures or if unavailable, provide: CD with accurate material disclosures to all parties with right to rescind, Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form with new 3-day waiting period | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225541977 | 3158625783 | 36406472 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): Exception approved with comp factors. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225541977 | 3158625783 | 36406477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): Exception approved with comp factors. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225541977 | 3158625783 | 36406502 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Final 1003 was corrected to indicate borrower is a non-permanent resident; however, the file did not contain a copy of the borrower's Resident Alien card. | Reviewer Comment (2026-05-13): identification received Buyer Comment (2026-05-13): Please see [Redacted] resident ID uploaded |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541977 | 3158625783 | 36406512 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-05-13): identification received Buyer Comment (2026-05-13): Please see [Redacted] resident ID uploaded |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225541978 | 3158625784 | 36379536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-05-05): valid COC and timely disclosure received Buyer Comment (2026-05-04): Do not Concur. Appraisal/invoice received [Redacted]. valid CIC same day due to inspection was required. LEv4 disclosed timely |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541979 | 3158625786 | 36373998 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-05-15): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-05-14): Please see RTC package Reviewer Comment (2026-05-12): This is a material disclosure exception on a rescindable transaction. Re-opening of RTC and proof of delivery of the RTC is required to complete the cure. TRID GRID 4.0 Remediation types, Row C) reports...Within 60 days of discovery 1. Letter of Explanation (Other evidence of borrower notification of the error will be considered.) 2. Corrected PCCD or detailed LOE re-disclosing correct information*Material disclosure exceptions on rescindable transactions require proof of consumer receipt, see D) below and row 6 of "Remediation Considerations "More than 60 days from discovery - No cure available. The rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. There are several items deemed to be material disclosures as referenced under 1026.23(a)(3): • APR • Finance Charge • Amount Financed • Total of Payments • Payment schedule. The Projected Principal & Interest Payment Max was inaccurately disclosed on the Final CD which is a material disclosure violation, thereby not starting the rescission period. (Tolling rescission.) Issuing new NORTCs to the consumer(s) is not reopening rescission it is an attempt to end the rescission that did not expire three days after consummation based on the under disclosed finance charge. Per SFA TRID Grid 3, "for exceptions related to one of the Material Disclosures on rescindable transactions, a separate EV3-C exception for extended rescission rights will be cited if the remediation does not included evidence the lender re-opened rescission." The lender can remediate this exception by reopening rescission within the 3 year tolling period. On this loan, the lender provided all components of the Finance Charge and Amount Financed cure except for the reopened rescission within 60 days. To remediate the tolling rescission exception, we require a LOE, proof of delivery, and a new RTC that is received 3 business days prior to the updated cancel by date to all consumers. Buyer Comment (2026-05-11): Please see the PCCD and Refund uploaded Reviewer Comment (2026-05-07): [Redacted] has included the following finance charges in calculation. Flood Cert $[Redacted], prepaid int $[Redacted], Processing fee $[Redacted], Project processing fee $[Redacted] (total $[Redacted] processing fees), Tax Service $[Redacted], Title-Title processing Fee $[Redacted], Title-Closing Fee (Attorney) $[Redacted] and Financial Verification fee $[Redacted]. Calculated finance charge is $[Redacted] with underdisclosure of $[Redacted]. No compliance report to confirm the TIL Finance Charege calculation, but in reviewing the High Cost analysis, lender did include in the Project Processing Fee $[Redacted] & Processing Fee $[Redacted] which are Section A fees and lender costs and would be finance charges. It appears the difference is related to the Section B Title-Title-Processing fee of $[Redacted] as appears that may not have been included in lender's calculation. If lender feels this fee is not a finance charge, lender should provide a Lender's attestation giving the specific purpose & services provided of the title-Title processing fee in order for further review if a finance charge. Buyer Comment (2026-05-06): Do not Concur. It's [Redacted] that is excluding the processing fee in a whole. [Redacted] has the correct amounts included. Please recalculate on your end. Reviewer Comment (2026-05-05): Processing fees are not excluded from APR calculations per 1026.4(c)(7). Please provide documentation of reason for exclusion of processing fees from calculation for review. Buyer Comment (2026-05-04): Do not Concur. AMC is including the incorrect amounts for processing fees. Please recalculate |
05/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541980 | 3158625788 | 36371686 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most Recent Valuation Inspection Date: ___; Disaster Name: ___; Disaster Declaration Date: ___; Disaster End Date: ___ |
The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted] . Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-05-04): PDI received, showing no damage to the subject property |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541983 | 3158625791 | 36379836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-05): valid COC and timely disclosure received Buyer Comment (2026-05-04): Do not Concur. Valid CIC [Redacted] and attached complexity comments. LEv7 disclosed timely same day |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541985 | 3158625793 | 36372003 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-05-01): desk review received, supporting the appraised value |
05/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IN | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541985 | 3158625793 | 36372030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-04): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-05-01): Do not Concur. Valid CIC for vesting change [Redacted]. CDv2 disclosed timely |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541987 | 3158625796 | 36382986 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | The file was missing a copy of the signed Condo rider. | Reviewer Comment (2026-05-12): signed copy of the condo rider received |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541987 | 3158625796 | 36382988 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file was missing a copy of the signed Note document. | Reviewer Comment (2026-05-12): signed copy of the Note received Buyer Comment (2026-05-12): Do Not Agree, Note provided |
05/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541987 | 3158625796 | 36383003 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file was missing a copy of the signed Security Instrument. | Reviewer Comment (2026-05-12): signed copy of the security instrument has been received Buyer Comment (2026-05-12): Security Instrument Provided on previous upload Buyer Comment (2026-05-12): Do Not Agree, Security Instrument provided |
05/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541988 | 3158625797 | 36373376 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Reviewer Comment (2026-05-06): evidence of disclosure delivery received Buyer Comment (2026-05-06): Do Not Concur. Please see system snip of the electronic delivery and receipt of the [Redacted] docs by the borrower. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541988 | 3158625797 | 36373377 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-06): Do Not Concur. Please see system snip of CIC for Product Change and Ln Points, allowing the discount points to change, this was disclosed timely on LE v2. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541991 | 3158625806 | 36371603 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-05-01): desk review received, with a value supporting the appraised value |
05/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225541991 | 3158625806 | 36371610 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ ___ |
Missing HOI and property tax information for both of these properties. | Reviewer Comment (2026-05-05): REO documentation in file is acceptable Buyer Comment (2026-05-04): [Redacted] is a lot owned free and clear and the tax form is on page [Redacted] and translated on page [Redacted] [Redacted] is also a lot owner free and clear the tax cert is on page [Redacted] and translated on pg [Redacted] |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541991 | 3158625806 | 36371656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-05-07): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-05-06): Please see attached PCCD package |
05/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541992 | 3158625810 | 36454550 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-12): Exception approved with comp factors. |
05/12/2026 | 2 | B | B | B | B | B | CA | Primary | Purchase | A | B | A | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225541994 | 3158625812 | 36403294 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At Closing |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541995 | 3158625813 | 36402622 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | Current Start Date [Redacted] per VVOE in file and 1003s. Notes in file indicate borrower has worked at company [Redacted] yrs and was in [Redacted] prior to [Redacted].; however, there is no verification of this in file. | Reviewer Comment (2026-05-11): explanation and documentation in file meets guideline requirements Buyer Comment (2026-05-11): Customer relocated from [Redacted] in [Redacted] and has been with employer for [Redacted] yrs on page [Redacted] is a [Redacted] w2 from [Redacted] for the first couple month of the yr prior to moving. Name on the w2 matches the current employer |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541995 | 3158625813 | 36402627 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing employment information. | Reviewer Comment (2026-05-11): explanation and documentation in file meets guideline requirements |
05/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541995 | 3158625813 | 36402628 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing employment information. | Reviewer Comment (2026-05-11): explanation and documentation in file meets guideline requirements |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225541997 | 3158625818 | 36401378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fee was disclosed as $[Redacted] on LE, but disclosed as $[Redacted] in Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-08): valid COC with timely disclosure received Buyer Comment (2026-05-07): Do not Concur. [Redacted] received the sales contract and valid CIC stating borrower to pay transfer taxes [Redacted]. This increased transfer taxes from $[Redacted] to $[Redacted]. The increase after this was already cured at closing |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541998 | 3158625819 | 36374700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-05): valid COC and timely disclosure received Buyer Comment (2026-05-04): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. CDv2 disclosed timely |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225541999 | 3158625820 | 36401213 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-12): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-05-11): Do Not Concur. There was a change in the product on [Redacted], an appraisal had to be ordered since the borrower had previously had an appraisal waiver with prior product. This was disclosed timely on CD v2 |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542000 | 3158625821 | 36379493 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-19): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-04-30): Cured at closing or within 60 days of consummation prior to TPR review |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542000 | 3158625821 | 36386920 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542001 | 3158625823 | 36386158 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): [Redacted] received COC dated [Redacted] for change in [Redacted]. Buyer Comment (2026-05-06): Do Not Concur. Please see system snips of CIC for loan amount changing, pricing changed also which is why lender credit changed, this was disclosed timely on LE v4. |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542003 | 3158625826 | 36382278 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542004 | 3158625829 | 36401644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as $ -[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee and the cure provided at closing ($[Redacted]) was not sufficient to cure all tolerance violations. | Reviewer Comment (2026-05-11): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-08): Do Not Concur. The loan locked on [Redacted], the lender credit was reduced on [Redacted] because pricing changed, pricing can fluctuate and change prior to the initial loan lock, the customer has not locked in their rate yet. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542004 | 3158625829 | 36401645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in recording fee. No valid Change of Circumstance was provided, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-19): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-07): Cured at closing or within 60 days of consummation prior to TPR review |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542005 | 3158625835 | 36380877 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-05): valid COC and timely disclosure received Buyer Comment (2026-05-04): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. Decreased prem pricing to $-[Redacted]. Lev3 disclosed timely. Prem pricing increased at closing |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542011 | 3158625845 | 36381389 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were previously disclosed to the borrower on the Loan Estimate as $[Redacted], but they increased on the Closing Disclosure to $[Redacted] with no valid Change of Circumstance found and no cure provided to the borrower. | Reviewer Comment (2026-05-06): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-06): Do Not Concur. Please see system snips of CIC for loan amount changing, pricing changed also which is why discount points changed to $[Redacted], this was disclosed timely on LE v4. The discount points were reduced prior to closing. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542011 | 3158625845 | 36381397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Need evidence of delivery of initial CD to borrower at least 3 business days prior to closing. | Reviewer Comment (2026-05-06): verification of e-delivery of CD received and acceptable Buyer Comment (2026-05-06): Do Not Concur. Please see system snip of proof of electronic delivery of the closing disclosures to the borrower, the CD that was sent and received on [Redacted] does not have any material changes that reset the waiting period. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225542012 | 3158625847 | 36380943 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-08): valid COC with timely disclosure received Buyer Comment (2026-05-07): Do Not Concur. Please see CIC that the appraisal update is needed due to using the prior appraisal and it being transferred to the loan, also see on the final CD that the original appraisal fee was removed and only the update was charged. Reviewer Comment (2026-05-07): [Redacted] received COC dated [Redacted] stating recert ordered but the reason provided is not sufficient as to why the recert was required. Please provide more information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-05-06): Do Not Concur. Please see system snips of CIC for the appraisal update order, this fee disclosed timely on LE v2. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542014 | 3158625851 | 36391224 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Provide proof of borrower receipt of initial CD at least 3 business days prior to closing. | Reviewer Comment (2026-05-06): verification of e-delivery of initial CD received and acceptable Buyer Comment (2026-05-06): Do not Concur. Initial CD sent via [Redacted] [Redacted] |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225542015 | 3158625852 | 36374258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-06): Do not Concur. Valid CICs for property type, appraised value, and Loan points [Redacted]. LEv3 disclosed timely |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542015 | 3158625852 | 36454694 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-12): Exception approved with comp factors. |
05/12/2026 | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | A | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225542015 | 3158625852 | 36454698 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-12): Exception approved with comp factors. |
05/12/2026 | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | A | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225542016 | 3158625853 | 36392755 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Provide supplemental title commitment or final policy with coverage equal to the loan amount. | Reviewer Comment (2026-05-18): final title policy received Buyer Comment (2026-05-18): Final TPOL provided |
05/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542017 | 3158625856 | 36405079 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent is missing in the file. | Reviewer Comment (2026-05-06): e-consent in 1003 disclosure |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542017 | 3158625856 | 36405089 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | A valid COC for the fee increase was not provided. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542018 | 3158625859 | 36380844 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-05-12): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-05-11): Please see PCCD and Refund uploaded Reviewer Comment (2026-05-07): [Redacted] received lender rebuttal and confirms that the Title-Settlement fee of $[Redacted] is a Title-Concurrent Loan Services fee for $[Redacted]. Settlement agent confirmed that fee is a "Loan" tie in fee, a charge for handling the "loan" portion of an escrow. If it was all cash, (transaction) this fee would not be applicable. In stating the fee would not be charged in a comparable cash transaction further confirms this is a fee related to the extension of credit. The service is related to the loan closing and is a finance charge. Cure is due with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing. Buyer Comment (2026-05-06): Do not Concur. [Redacted] is including the Title-Concurrent Loan services fee $[Redacted] as a prepaid and it should not be included in the calculation. See LOX from title |
05/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542018 | 3158625859 | 36380848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-04): Cured at closing or within 60 days of consummation prior to TPR review |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542018 | 3158625859 | 36380849 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File did not contain a valid Change of Circumstance for the increased fee and there was no evidence of a cure. | Reviewer Comment (2026-05-07): [Redacted] received COC dated [Redacted] and LOE. Buyer Comment (2026-05-06): Do not Concur. Valid CIC for appraisal [Redacted]. Complexity comments attached . LE sent same day |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542018 | 3158625859 | 36412625 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225542021 | 3158625862 | 36408590 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-05-08): evidence of e-delivery 3 days before closing received Buyer Comment (2026-05-08): Do Not Concur. Please see system snip of electronic delivery of the closing disclosure, the borrower received the CD on [Redacted] with no material changes that would require a new waiting period and the loan closed on [Redacted]. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225542026 | 3158625869 | 36388929 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | Reviewer Comment (2026-05-12): final title policy received Buyer Comment (2026-05-12): Do Not Agree, final TPOL provided |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542028 | 3158625873 | 36381685 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in the file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-06): title commitment in file is acceptable Buyer Comment (2026-05-06): Final Title Policy on pages [Redacted]-[Redacted] is for the incorrect loan number; Title commitment is on pages [Redacted]-[Redacted] in the amount of $[Redacted] in file build |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542029 | 3158625874 | 36382256 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] | Reviewer Comment (2026-05-14): [Redacted] received additional clarification on section H fees which determined are coop related and not related to the extension of credit Buyer Comment (2026-05-13): Please see LOX from title too Buyer Comment (2026-05-13): Do not Concur. [Redacted] is including section H move in fee $[Redacted] and Property fee $[Redacted] as prepaid fees and should not be. These are COOP fees paid to the coop board and the management company for building services. These are not needed for extending credit. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542029 | 3158625874 | 36382257 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to 10% tolerance exceeded the allowable variance due to an increase in the Recording Fee. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-08): sufficient cure at closing for this fee tolerance issue Buyer Comment (2026-05-07): Do not concur. Recording fee tolerance violation $[Redacted] already cured at closing |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542029 | 3158625874 | 36382258 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee was added on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-08): valid COC with timely disclosure, along with cure at closing Buyer Comment (2026-05-07): Do not Concur. [Redacted] received the sales contract and valid CIC stating borrower to pay transfer taxes [Redacted]. This increased transfer taxes from $[Redacted] to $[Redacted]. The increase after this was already cured at closing |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542033 | 3158625883 | 36393578 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | W-2s for tax years [Redacted] and [Redacted] from the employer [Redacted] are missing for the borrower. | Reviewer Comment (2026-05-11): income docs received Buyer Comment (2026-05-11): w2 |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542033 | 3158625883 | 36393617 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall condition for missing income documentation for the borrower. | Reviewer Comment (2026-05-11): income docs received Reviewer Comment (2026-05-08): this is a waterfall condition tied to the missing W2's indicated in other open conditions. this condition will be resolved once the W2's are received Buyer Comment (2026-05-08): Do Not Concur. Please see QM and Reg Testing information provided. |
05/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542033 | 3158625883 | 36393618 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall condition for missing income documentation for the borrower. | Reviewer Comment (2026-05-11): income docs received Buyer Comment (2026-05-11): w2 s uploaded |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542033 | 3158625883 | 36406385 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall condition for missing income documentation for the borrower. | Reviewer Comment (2026-05-11): income docs received |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542033 | 3158625883 | 36406387 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | W-2s for tax years [Redacted] and [Redacted] from the employer [Redacted] are missing for the borrower. | Reviewer Comment (2026-05-11): income docs received Buyer Comment (2026-05-11): w2s uploaded |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542035 | 3158625887 | 36407491 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates appraisal was sent to borrower [Redacted]; however, there is no evidence of a receipt date and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-05-11): appraisal delivery received and acceptable Buyer Comment (2026-05-11): Do Not Concur. Please see system snip showing electronic delivery of the appraisal on [Redacted] and closing on [Redacted]. |
05/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542035 | 3158625887 | 36450884 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| 225542036 | 3158625889 | 36399691 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-12): [Redacted] received valid COC document Buyer Comment (2026-05-11): Do Not Concur. Please see further system snips showing that the interest rate changed on [Redacted] allowing pricing changes, and the interest rate changed again on [Redacted] all within the same CIC disclosure three day window, so the disclosure only went out with the last interest rate change. Reviewer Comment (2026-05-11): [Redacted] received COC dated [Redacted], however there is no change in interest rate compared to previous LE. Please provide valid COC why lender credit decreased to $[Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-08): Do Not Concur. The lender credit was premium pricing and when the appraised value and loan rate changed the loan points also changed which changed the premium pricing you see as a lender credit. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542037 | 3158625890 | 36424189 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At Closing |
05/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542041 | 3158625896 | 36408975 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. | Reviewer Comment (2026-05-11): [Redacted] received additonal information confirming borrower attorney in Section H Buyer Comment (2026-05-08): Do Not Concur. The finance charge variance that [Redacted] has calculated is due to the Legal Fee of $[Redacted] which is in section H of the CD, the section for other charges, this legal fee is for the borrower's own attorney to review their documents, this is not the title company or a [Redacted] mandated attorney review. Since this fee was chosen by the borrower and not required it should not be included in the finance charge calculation. |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542043 | 3158625899 | 36401619 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. This is $[Redacted] over the legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-05-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-11): Do Not Concur. Please see system snip of the calculation of the cure. The cure of $[Redacted] is sufficient for the overage of the [Redacted]% fees. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542043 | 3158625899 | 36401620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. This is $[Redacted] over the legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-05-12): [Redacted] received valid COC document Buyer Comment (2026-05-11): Do Not Concur. The product changed on [Redacted] please see CIC system snip, the discount points disclosed timely on CD v2. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542043 | 3158625899 | 36450318 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225542045 | 3158625903 | 36409516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-12): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-05-11): Do Not Concur. There was a change in the product on [Redacted], an appraisal had to be ordered since the borrower had previously had an appraisal waiver with prior product. This was disclosed timely on CD v |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542046 | 3158625904 | 36407186 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fee was disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] in Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-05-13): [Redacted]: The purchase agreement was available to review at the time of initial disclosure, reviewing the PA later or the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. If there was an additional reason the fee was added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-12): Do Not Concur. The Product changed on [Redacted] and then the sales contract was received and uploaded on [Redacted], the transfer taxes were then added in the amount of $[Redacted] resetting baseline and disclosed timely on LE v4. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542047 | 3158625905 | 36407030 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542048 | 3158625906 | 36414140 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception of PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225542049 | 3158625908 | 36400643 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-11): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-08): Do not Concur. Valid CICs for product and loan points [Redacted]. Points increased to $[Redacted] . Loan points decreased |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542049 | 3158625908 | 36400659 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-05-13): final title policy received Buyer Comment (2026-05-13): Final title uploaded |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542049 | 3158625908 | 36400688 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-05-13): final title received Buyer Comment (2026-05-13): final title |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542049 | 3158625908 | 36414292 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225542049 | 3158625908 | 36414299 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225542050 | 3158625910 | 36407682 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542052 | 3158625917 | 36397370 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the Award Letter / Continuance Letter for the borrower's IRA distribution or evidence of receipt. None of the statements in file showing the distribution to the borrower. | Reviewer Comment (2026-05-08): sufficient documentation in file, along with UW explanation Buyer Comment (2026-05-08): Income docs are on page [Redacted] and [Redacted] of the file build, Customer recently retired, Here are the UW notes to the file: Retirement/Pension Review Summary (IRA distribution): Retirement/Pension Income is not being grossed up. There are no concerns with the Retirement/Pension Income. Other Income Comments: C1 is now taking IRA distributions. We have 2 distribution statements showing monthly distributions. Each distribution is [Redacted] with a deposit of [Redacted] per month. Using gross distribution of [Redacted] to qualify. The letters show the account being used is [Redacted] [Redacted]. Customer provided [Redacted] statements for this account. Balance does not support [Redacted] year continuance but customer has additional IRA accounts that they can liquide after the [Redacted] account is liquidated. [Redacted] [Redacted] IRA account has over [Redacted] and would support [Redacted] year continuance of [Redacted] a month. [Redacted] account shows YTD distributions of [Redacted]. Customer has recently retired as we have [Redacted] W2s and 1040s that don t show any distribution income and had W2 wages. Receipt of the income is deposited into [Redacted] [Redacted] account which matches up to IRA statement to the withdraws--shows as manual banking as it s coming from [Redacted] account to [Redacted] checking. [Redacted]*[Redacted] months=[Redacted]. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542052 | 3158625917 | 36397401 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing income documentation. | Reviewer Comment (2026-05-08): sufficient documentation in file, along with UW explanation Buyer Comment (2026-05-08): responded to the credit condition |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542052 | 3158625917 | 36397403 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing income documentation. | Reviewer Comment (2026-05-08): sufficient documentation in file, along with UW explanation Buyer Comment (2026-05-08): responded to the credit exception |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542052 | 3158625917 | 36397404 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File did not contain a valid change of circumstance for the fee increase and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-08): valid COC with timely disclosure received Buyer Comment (2026-05-08): Do not Concur. Lock expirations and valid CICs for loan points increased points. Loan points decreased at closing. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542052 | 3158625917 | 36414682 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file was missing a copy of the Award Letter / Continuance Letter for the borrower's IRA distribution or evidence of receipt. None of the statements in file showing the distribution to the borrower. | Reviewer Comment (2026-05-08): sufficient documentation in file, along with UW explanation Buyer Comment (2026-05-08): responded to other credit exception |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542052 | 3158625917 | 36414684 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing income documentation. | Reviewer Comment (2026-05-08): sufficient documentation in file, along with UW explanation Buyer Comment (2026-05-08): responded on the credit exception |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542052 | 3158625917 | 36418914 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for a PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225542054 | 3158625920 | 36388920 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient. | Reviewer Comment (2026-05-07): [Redacted] received COC dated [Redacted] for property complexity. Buyer Comment (2026-05-06): Do not Concur. Appraisal CIC [Redacted] and complexity comments attached. LEv2 disclosed timely |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542055 | 3158625924 | 36409616 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542056 | 3158625925 | 36393338 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal done subject to completion per plans and specs and although photos show property substantially complete, there is no indication of what is not yet completed and there is no Form 442 in file. | Reviewer Comment (2026-05-08): separate lender exception cited and waived for this issue. Buyer Comment (2026-05-08): The appraisal was subject to the connection to the gas meter as the following revisions were made to the appraisal: Revision [Redacted] HOA fee corrected Pool, landscape and hardscape package removed from contract price and grid/adjustments. Revision [Redacted] Ongoing work included connecting the gas meter There was an an exception for Collateral to the file to allow the Certificate of Occupancy for the final - see notes and the exception to the file: CED informed NED management there is gas at the property but they are just waiting on the utility company to put meter in and the city already provided certificate of occupancy (new construction). Proxy by [Redacted] [Redacted]. Reviewed: [Redacted] [Redacted]/[Redacted][Redacted]$[Redacted]/DTI [Redacted](max [Redacted])/LTV/CLTV [Redacted](max [Redacted])/FICO [Redacted]/Reserves [Redacted] months(min [Redacted])/Detached PUD/Primary/Purchase |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | B | B | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542056 | 3158625925 | 36393378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for the reduced credit, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-08): valid COC and timely disclosure information received Buyer Comment (2026-05-08): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. Lev7 disclosed timely |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542056 | 3158625925 | 36415027 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for the collateral due to waiver of the gas meter hookup. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | B | B | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225542057 | 3158625928 | 36401881 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points fee changed to $[Redacted] on the CD dated [Redacted] . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-13): Do not Concur. Loan amount on the final LE was $[Redacted] and loan points were $[Redacted]. THEN the loan amount changed to $[Redacted] and the loan points changed with a valid CIC to [Redacted] that was previously sent to [Redacted]. Invalid exception. No cure due back. Reviewer Comment (2026-05-13): [Redacted] received COC shows change reason for loan amount. However, the discount point fee did not change proportionately with the loan amount change and is not a valid reason. Provide additional information to support a pricing change or cure would be due. Buyer Comment (2026-05-12): Do not Concur. Valid CICs for loan points and loan amount [Redacted]. Cdv1 disclosed timely |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542059 | 3158625930 | 36397318 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-08): Cured at closing or within 60 days of consummation prior to TPR review |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542059 | 3158625930 | 36397320 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-12): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-12): Do Not Concur. A full second appraisal for $[Redacted] was disclosed on the initial LE. The full appraisal was not needed as it was determined that they could use the existing appraisal but a review / recert was needed for it to be utilized. This was ordered on [Redacted] and the fee for the appraisal update was disclosed timely on CD v3. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542060 | 3158625931 | 36379732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): [Redacted] received a valid COC. Buyer Comment (2026-05-06): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv12 disclosed timely |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542060 | 3158625931 | 36379733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee of $[Redacted] was added on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-07): [Redacted] received a valid COC. Buyer Comment (2026-05-06): Do not Concur. [Redacted] received the appraisal/invoice [Redacted] reflecting final inspection was required. Valid CIC [Redacted] and CD sent timely same day |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542060 | 3158625931 | 36379755 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing the award letter(s) for the $[Redacted] in pension income from final 1003. Bank statement shows multiple deposits ; however, it is not clear what they are and the dollar amounts do match the 1003 amount. | Reviewer Comment (2026-05-05): income documentation in file plus lender explanation is sufficient Buyer Comment (2026-05-05): Here are the Underwriter notes on Pension income, please let me know if this explains: Pension total now seen as per [Redacted] and [Redacted] the [Redacted], [Redacted], and [Redacted] Hospitalization benefit. [Redacted] monthly. [Redacted] Pension Hospitalization [Redacted] -[Redacted]code 7 no ira check. Lines up with deposit seen to [Redacted] [Redacted] after tax. [Redacted] Annuity Plan of Electric [Redacted]-[Redacted]code 7 no ira check. Lines up with deposit seen to [Redacted] [Redacted] after tax. [Redacted] Pension National Electric [Redacted] code 7 no ira check. Lines up with deposit seen to [Redacted] [Redacted]after tax. [Redacted] [Redacted] [Redacted] code 7 no ira check. Not seen or documented at this time as not clear if asset item for flat distribution. [Redacted] [Redacted] [Redacted] [Redacted] code 7 no ira check. Lines up with deposit seen to [Redacted] [Redacted] . Various pensions match [Redacted] to [Redacted] , [Redacted] seem even figures not clear if asset (as [Redacted] one is asset) and [Redacted] are concluded pensions [Redacted]+[Redacted]+[Redacted]. None are needed outside the largest [Redacted] one at this time but do have others if needed per [Redacted] and deposit info. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542060 | 3158625931 | 36379776 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing income documentation. | Reviewer Comment (2026-05-05): income documentation in file plus lender explanation is sufficient Buyer Comment (2026-05-05): lox provided |
05/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542060 | 3158625931 | 36379777 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation. | Reviewer Comment (2026-05-05): income documentation in file plus lender explanation is sufficient Buyer Comment (2026-05-05): lox provided on credit exception for income |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542060 | 3158625931 | 36393433 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation. | Reviewer Comment (2026-05-05): income documentation in file plus lender explanation is sufficient Buyer Comment (2026-05-05): lox provided |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542060 | 3158625931 | 36393445 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the award letter(s) for the $[Redacted] in pension income from final 1003. Bank statement shows multiple deposits ; however, it is not clear what they are and the dollar amounts do match the 1003 amount. | Reviewer Comment (2026-05-05): income documentation in file plus lender explanation is sufficient Buyer Comment (2026-05-05): lox provided |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542064 | 3158625946 | 36403369 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | No documentation in file to evidence receipt of the revised Loan Estimate and the presumed receipt date would not have been at least 4 business days prior to closing. | Reviewer Comment (2026-05-19): verification of LE receipt 4 business days prior to closing has been received Buyer Comment (2026-05-19): Please review proof of receipt |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225542064 | 3158625946 | 36403379 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification missing for the property '[Redacted]'. | Reviewer Comment (2026-05-19): HOI policy for REO property received Buyer Comment (2026-05-19): please review policy |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542064 | 3158625946 | 36438868 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-05-12): proof of appraisal delivery received and acceptable Buyer Comment (2026-05-12): Do Not Concur - please review page 330 / D0494 (date was unintentionally redacted) |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542065 | 3158625947 | 36408566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-12): upon further review disclosure in section H is acceptable. Buyer Comment (2026-05-11): Do Not Concur - please re calculate - Notary fee correctly disclosed in category H marked as (optional) would not be considered lender or title related - should not be held to tolerance or finance charge review |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542066 | 3158625948 | 36409270 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of [Redacted] appraisal to borrower. | Reviewer Comment (2026-05-13): proof of appraisal delivery in file Buyer Comment (2026-05-13): Do Not Concur - please see page [Redacted] / [Redacted] and Page [Redacted] /[Redacted] |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542066 | 3158625948 | 36409272 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [Redacted] Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | Reviewer Comment (2026-05-13): confirmation of disclosure received Buyer Comment (2026-05-13): Borrower confirmed receipt of all required [Redacted] Docs - page [Redacted] / [Redacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542066 | 3158625948 | 36409274 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Reviewer Comment (2026-05-13): client accepts EV2 condition rating Buyer Comment (2026-05-13): EV2 accepted |
05/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542067 | 3158625951 | 36407353 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542067 | 3158625951 | 36407354 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542068 | 3158625952 | 36403618 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-08): appraisal delivery in file is acceptable |
05/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542071 | 3158625970 | 36404919 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Do Not Concur - cure provided at closing |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542071 | 3158625970 | 36404920 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid Change of Circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-05-15): valid COC and explanation received with timely delivery of fee change Buyer Comment (2026-05-14): Please review again fee the Loan Estimate labeled fee as Express Mail and the Closing Disclosure fee name is Courier - (also, borrowers do not typically shop for individual sub title fees) - the Courier fee is paid to [Redacted] same agent as Settlement fee - borrower shopped for settlement service provider, settlement service provider required the courier fee Reviewer Comment (2026-05-14): [Redacted] received rebuttal. However, the inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-05-13): Do Not Concur - please re-calculate - Borrower was allowed to shop for all Settlement and Lenders Title services, this would include all associated title fees - Title-Courier would fall under this umbrella and should not be held to tolerance as the borrower shopped |
05/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542073 | 3158625973 | 36404749 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542074 | 3158625974 | 36406030 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of borrower's business. | Reviewer Comment (2026-05-13): verification of employment received and acceptable |
05/13/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542074 | 3158625974 | 36406031 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third-party verification of borrower's employment dates and status of business was not provided. | Reviewer Comment (2026-05-13): verification of employment received and acceptable Buyer Comment (2026-05-13): Please see processor time stamp of [Redacted] on top of third party verification. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542076 | 3158625983 | 36374253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased by more than the allowable limit. A valid change of circumstance was not provided for fee change and the cure provided at closing of $[Redacted] was insufficient. | Reviewer Comment (2026-05-06): PCCD, LOX, and refund check received to verify cure to borrower Buyer Comment (2026-05-05): Please review uploaded cure docs. |
05/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542077 | 3158625986 | 36403245 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-05-07): client accepts EV2 condition Buyer Comment (2026-05-07): EV2 accepted |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542080 | 3158625993 | 36372681 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]. | Reviewer Comment (2026-05-05): final title policy received Buyer Comment (2026-05-05): Please review uploaded title. |
05/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542080 | 3158625993 | 36372699 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Provide Seller CD or equivalent to verify seller paid fees in this transaction. | Reviewer Comment (2026-05-01): acceptable documentation received Buyer Comment (2026-05-01): Page [Redacted] of CD reflects seller paid info (i.e. [Redacted] Maintenance). No seller paid amount was reflected on purchase contract. |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Cloing Disclosure |
C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542084 | 3158626008 | 36380921 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-05-04): updated title commitment received and acceptable Buyer Comment (2026-05-04): Pleas review uploaded title. |
05/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Purchase | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542084 | 3158626008 | 36380965 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The final CD reflects an Initial Escrow Payment at closing in section G of $[Redacted]; however, the Initial Escrow Account Disclosure Statement indicates only $[Redacted]. | Reviewer Comment (2026-05-05): updated IEADS form received and acceptable Buyer Comment (2026-05-05): Please review uploaded IEADS. |
05/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542085 | 3158626015 | 36373491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. File did not contain a valid Change of Circumstance for the added fee and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-04): Please review [Redacted], [Redacted]and [Redacted]. $[Redacted] principal reduction/adjustment was applied. |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542085 | 3158626015 | 36399253 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-05): Sufficient Cure Provided within 60 Days of Closing |
05/05/2026 | 1 | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225542086 | 3158626016 | 36393547 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The date information on the E-Consent documents is redacted and unable to be seen. Accurate testing cannot be completed until the date of E-Consent is documented. | Reviewer Comment (2026-05-06): e-consent language in file is acceptable Buyer Comment (2026-05-06): Initial 1003s were e-signed on [Redacted] and contain verbiage in Section 6 (upper right hand corner): If this application is created as (or converted into) an "electronicapplication", I consent to the use of "electronic records" and"electronic signatures" as the terms are defined in and governed byapplicable Federal and/or state electronic transactions laws. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542086 | 3158626016 | 36393554 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-06): valid COC and timely disclosure received Buyer Comment (2026-05-06): Please review [Redacted] or [Redacted] . CIC dated [Redacted] indicates [Redacted]nd appraisal required. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542087 | 3158626017 | 36406836 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542087 | 3158626017 | 36442452 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in loan file to evidence delivery of the [Redacted] report to the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-05-12): proof of appraisal delivery received and acceptable Buyer Comment (2026-05-12): Please review D0821 and D0792. Redacted email address on D0792 matches email address of primary borrower on 1003. |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542088 | 3158626021 | 36381194 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-05-07): PDI received, showing no damage to the subject property Buyer Comment (2026-05-07): See attached PDI |
05/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542088 | 3158626021 | 36381199 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-04): e-consent language in file is acceptable Buyer Comment (2026-05-04): Do Not Concur - initial 1003 (page [Redacted]) signed by borrower - page [Redacted]/D0433 - by signing borrower agreed to electronic signature per section (4) |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542093 | 3158626052 | 36372203 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA Verification. 1003 indicates $[Redacted] of property related costs in addition to the payment which includes escrows. | Reviewer Comment (2026-05-01): explanation received for the HOA fee Buyer Comment (2026-05-01): Please review - validated thru [Redacted]: HOA Has HOA: Yes Services included: Covenant Enforcement, Management, Trash Removal HOA fee: $[Redacted] monthly |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542093 | 3158626052 | 36373477 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-05-05): RCE received, HOI coverage equal to replacement cost estimate value Buyer Comment (2026-05-05): See attached Replacement Cost Estimator |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542094 | 3158626054 | 36400210 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-05-12): [Redacted] received a valid COC. Buyer Comment (2026-05-11): See attached CIC for the increase in Transfer Tax and decrease in Lender credit. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542094 | 3158626054 | 36400211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-05-07): Cured at closing or within 60 days of consummation prior to TPR review |
05/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542094 | 3158626054 | 36400212 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-05-12): [Redacted] received a valid COC. Buyer Comment (2026-05-11): See attached CIC for the increase in Transfer Tax and decrease in Lender credit. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542094 | 3158626054 | 36400716 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-05-08): VVOE in file is acceptable Buyer Comment (2026-05-08): Please see page [Redacted] within the loan file. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542094 | 3158626054 | 36417619 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE dated within 10 business days of the Note for the borrower. | Reviewer Comment (2026-05-08): VVOE in file is acceptable Buyer Comment (2026-05-08): Please see page [Redacted] within the loan file. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542094 | 3158626054 | 36417620 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE dated within 10 business days of the Note for the borrower. | Reviewer Comment (2026-05-08): VVOE in file is acceptable Buyer Comment (2026-05-08): Please see page [Redacted] within the loan file. |
05/08/2026 | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542094 | 3158626054 | 36417621 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE dated within 10 business days of the Note for the borrower. | Reviewer Comment (2026-05-08): VVOE in file is acceptable Buyer Comment (2026-05-08): Please see page [Redacted] within the loan file. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542094 | 3158626054 | 36417630 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE dated within 10 business days of the Note for the borrower. | Reviewer Comment (2026-05-08): VVOE in file is acceptable Buyer Comment (2026-05-08): Please see page [Redacted] within the loan file. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542094 | 3158626054 | 36417634 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-08): signed 1003 has acceptable language Buyer Comment (2026-05-08): Please see [Redacted] within the loan file.. Initial 1003s were e-signed on [Redacted] and contain verbiage in Section 6 (upper right hand corner): If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and" electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws. |
05/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542094 | 3158626054 | 36450818 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | 1 | A | A | A | A | A | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225542098 | 3158626061 | 36380883 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A valid Change of Circumstance for the fee increase was not provided. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542098 | 3158626061 | 36380884 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A valid Change of Circumstance for the fee increase was not provided. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542099 | 3158626065 | 36386582 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | File is missing the AUS results required by the program guidelines. | Reviewer Comment (2026-05-05): LP in file is acceptable Buyer Comment (2026-05-05): Do Not Concur - please review LP - page [Redacted] /[Redacted] |
05/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542101 | 3158626068 | 36397449 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-05-12): proof of appraisal delivery received and acceptable Buyer Comment (2026-05-12): Please review document id [Redacted] page [Redacted] , Confirmation borrower received Appraisal/Valuation. I attest the email address redacted is the same as the borrower email address listed on the URLA/1003. |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NV | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542101 | 3158626068 | 36401583 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-05): Sufficient Cure Provided within 60 Days of Closing |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542101 | 3158626068 | 36401584 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-05): Sufficient Cure Provided within 60 Days of Closing |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542104 | 3158626072 | 36404818 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-05-12): final title policy received Buyer Comment (2026-05-12): Please review attached Title. |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IN | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542104 | 3158626072 | 36441497 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-11): Sufficient Cure Provided within 60 Days of Closing |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542105 | 3158626073 | 36386173 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Total of Payments of $[Redacted], which exceeds the $[Redacted] threshold. This was corrected with the Post-close CD; however, to fully cure the issue the following items are still needed: 1) letter of explanation to the borrower, 2) evidence of refund for the underdisclosed amount, and evidence rescission was re-opened> | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225542105 | 3158626073 | 36386174 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Administration Fee. The Fee Amount of $[Redacted] exceeds the tolerance of $[Redacted]. $[Redacted] is over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225542105 | 3158626073 | 36386175 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Credit Report Fee. The Fee Amount of [Redacted] exceeds the tolerance of $248.00. [Redacted] is over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ([Redacted] ) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-07): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-06): Do not concur. Please review document id D0357 page 234 Closing Cost above legal limit, cure $[Redacted] is for Credit Report fee. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542107 | 3158626078 | 36380789 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the updated appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-05-06): verification of appraisal delivery received Buyer Comment (2026-05-06): cont- document ID [Redacted] page [Redacted]. Buyer Comment (2026-05-06): Do not concur. Please review borrower electronic evidence summary for Appraisal receipt document id #[Redacted] page [Redacted]. |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542107 | 3158626078 | 36380790 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-05-06): verification of appraisal delivery received Buyer Comment (2026-05-06): Do not concur. Please review borrower electronic evidence summary for Appraisal receipt document id #[Redacted] page [Redacted]. |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542107 | 3158626078 | 36380791 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542110 | 3158626085 | 36373038 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-05-06): final title policy received Buyer Comment (2026-05-06): Please review uploaded title. |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542111 | 3158626087 | 36387225 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-06): e-consent signed on 1003 form is acceptable Buyer Comment (2026-05-06): Please review document id [Redacted] page [Redacted] Section 6 Acknowledgements (4)Electronic Records and Signatures; this E-Consent is acceptable. Review document [Redacted] page [Redacted] Section 6 Acknowledgements (4)Electronic Records and Signatures; this E-Consent is acceptable. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542111 | 3158626087 | 36387241 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in loan file to evidence delivery of the [Redacted] appraisal to the borrower. | Reviewer Comment (2026-05-06): proof of appraisal delivery in file is acceptable Buyer Comment (2026-05-06): Do not concur. Please review Document ID [Redacted] page [Redacted] and [Redacted]. borrower confirming "Your receipt of the Appraisal report". |
05/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542111 | 3158626087 | 36387242 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Waterfall finding due to the missing E-consent document. | Reviewer Comment (2026-05-06): e-consent signed on 1003 form is acceptable Buyer Comment (2026-05-06): Please review document id [Redacted] page [Redacted] Section 6 Acknowledgements (4)Electronic Records and Signatures; this E-Consent is acceptable. Review document [Redacted] page [Redacted] Section 6 Acknowledgements (4)Electronic Records and Signatures; this E-Consent is acceptable. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542112 | 3158626088 | 36386631 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the CD dated [Redacted]. A Change of Circumstance document was in file for this fee; however, it was not dated and did not provide the date of the change so is not considered valid.. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-12): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-12): Please review valid change in circumstance form attached. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542112 | 3158626088 | 36386632 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-inpsection fee changed to $[Redacted] on the CD dated [Redacted]. A Change of Circumstance document was in file for this fee; however, it was not dated and did not provide the date of the change so is not considered valid.. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-12): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-12): Please review valid change in circumstance form attached. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542112 | 3158626088 | 36386633 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-07): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-06): Do not concur. Please review Closing Costs above legal limit cure $[Redacted] for the Transfer Tax. Document ID [Redacted] page [Redacted]. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542113 | 3158626093 | 36409718 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542117 | 3158626098 | 36402304 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The consent date is redacted on the document provided. | Reviewer Comment (2026-05-06): e-consent documentation in file is acceptable Buyer Comment (2026-05-06): Please review Document Id [Redacted] page [Redacted] and [Redacted] page [Redacted]. I attest the redacted portion on both documents are the borrowers email addresses as listed on the URLA/1003 application. Please review the attached portion confirming borrower's Accepted the E-Consent. |
05/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542120 | 3158626101 | 36381226 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542120 | 3158626101 | 36394113 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542121 | 3158626103 | 36388981 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was added in the amount of $[Redacted] on the final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): PCCD, LOX, refund check and proof of mailing received for this tolerance cure Buyer Comment (2026-05-13): Please see attached PCCD package |
05/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542123 | 3158626106 | 36403713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Appraisal Re-inspection Fee. Fee amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-11): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-08): Do not Concur. [Redacted] received appraisal/invoice and valid CIC for required final inspection [Redacted]. LEv7 disclosed timely |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542123 | 3158626106 | 36415312 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225542123 | 3158626106 | 36415317 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225542124 | 3158626107 | 36403582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-11): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-08): Do not Concur. Valid CICs for product and loan points [Redacted]. CDv2 disclosed timely |
05/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542124 | 3158626107 | 36405794 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Escalation Form in file for lender exception of PAG Decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225542125 | 3158626110 | 36402658 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at Closing. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At Closing |
05/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542125 | 3158626110 | 36415617 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Exception approved with comp factors. |
05/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 225542126 | 3158626111 | 36393681 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No cure nor Change of Circumstance was provided. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542127 | 3158625961 | 36408878 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 was not found in file. | Reviewer Comment (2026-05-12): final 1003 received and acceptable Buyer Comment (2026-05-12): Please review confirmation of initial 1003 - Page 147 / D0546 |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542127 | 3158625961 | 36414841 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The Flood Certificate in file is not legible. | Reviewer Comment (2026-05-12): flood cert received and acceptable Buyer Comment (2026-05-12): Please review legible copy |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542129 | 3158625943 | 36405747 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in the recording fee. No valid Change of Circumstance was provided, nor was evidence of cure found in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542132 | 3158625977 | 36416216 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence receipt of the appraisal. | Reviewer Comment (2026-05-12): verification of appraisal delivery received and acceptable Buyer Comment (2026-05-12): Please review uploaded proof of appraisal delivery on [Redacted]. Redacted email address matches email address on URLA/1003 for primary borrower. |
05/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | OR | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542132 | 3158625977 | 36416301 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Zip code on Flood Cert is different than what is on the Note. | Reviewer Comment (2026-05-12): cert with matching zip code received Buyer Comment (2026-05-12): Please review uploaded flood cert. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542132 | 3158625977 | 36416314 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Zip code on Appraisal differs from zip code on the Note. | Reviewer Comment (2026-05-12): appraisal with matching zip code received Buyer Comment (2026-05-12): Please review uploaded appraisal. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542133 | 3158625965 | 36409609 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial Escrow Account Disclosure reflected an initial deposit of $[Redacted]; however, section G of the final CD indicated an initial escrow payment at closing of $[Redacted]. | Reviewer Comment (2026-05-18): updated IEAD received and acceptable Buyer Comment (2026-05-18): Please review updated IEAD |
05/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542133 | 3158625965 | 36445336 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At Closing |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542134 | 3158625940 | 36445742 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The appraisal fee was increased on the LE dated [Redacted]. The file did not contain a valid Change of Circumstance for the increase and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-13): Do Not Concur - once loan amount increased above $[Redacted] it became a [Redacted] - per invoice page 1030 / D0679- [Redacted] charges $[Redacted] for [Redacted] Reviewer Comment (2026-05-13): [Redacted] received COC dated [Redacted] the reason mentioned is not valid. Kindly provide a valid COC as to why the Appraisal fee increased or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-12): Do Not Concur - please review page 217 / D0418 |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542135 | 3158625858 | 36397265 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) Document was not found in file. | Reviewer Comment (2026-05-19): other approval documentation in file is acceptable Buyer Comment (2026-05-18): 1008 is no longer required |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542135 | 3158625858 | 36397381 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): [Redacted] received a valid COC. Buyer Comment (2026-05-12): Do not Concur. Lock extension and valid CIC for loan points [Redacted]. Final LE sent timely |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542135 | 3158625858 | 36397382 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): [Redacted] received a valid COC. Buyer Comment (2026-05-12): Do not Concur. Loan points baseline on the initial LE was $[Redacted]. Loan points decreased at closing. No cure required |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542136 | 3158625749 | 36397347 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reconveyance Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Reconveyance Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. ([Redacted] | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542138 | 3158625895 | 36407013 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-05-18): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-05-15): Please see PCCD and Refund sent to the borrower Reviewer Comment (2026-05-13): [Redacted] received rebuttal that the Title-copy/courier & title-fraud prevention were standard fees for handling transaction and neither are prepaid and were due from the buyer at closing. That a fee is prepaid or paid at closing does not necessarily determine if a finance charge, but what service(s) were provided and if excludable under 4(c)7 regulations. As the fees were disclosed in Section C of CD this typically relates to the loan or extension of credit transaction as they are services borrower shopped for the "transaction". The title-copy/courier fee is a service fee and typically is related to the loan transaction. The title-Fraud prevention is unknown as to what this is related to, is it a service required for the issuance of the title policy? Finance charge is underdisclosed by $[Redacted]. Can provide additional information more specific to what services/purpose the fees are related to, or cure with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing. Buyer Comment (2026-05-12): Please see e-mail from the Law Firm / Title agent explaining fees that are not treated as pre-paid for the finance charge calculation. |
05/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542139 | 3158625921 | 36408520 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on 02/23/2026 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | The revised CD issued [Redacted], which contained a change in APR, was not signed or dated to evidence receipt and there was no other evidence of receipt in file. The presumed receipt date would not have been at least 3 business days prior to consumation. | Reviewer Comment (2026-05-13): verification of delivery of interim CD received Buyer Comment (2026-05-13): Do not Concur. The revised CD was sent via [Redacted][Redacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225542139 | 3158625921 | 36408522 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-13): Do not Concur. Valid CIC for loan amount change [Redacted] which is acceptable for loan points to increase. CDv4 disclosed timely same day |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542139 | 3158625921 | 36408523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-13): Do not Concur. Valid CIC for property type change [Redacted]. LEv5 disclosed timely |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542139 | 3158625921 | 36408524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee of $[Redacted] was added on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): valid COC and timely disclosure of fee change received Buyer Comment (2026-05-13): Do not Concur. Valid CICs due to product changed and appraisal was required. CDv2 disclosed timely same day [Redacted] |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542143 | 3158625927 | 36409430 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-13): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-05-12): Do Not Concur. This was a new build and the appraiser included that the appraisal was subject to completion so a final inspection was needed, please see CICs and snip of the appraisal which came in on [Redacted] and final inspection fee was disclosed timely on LE v2. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542144 | 3158626041 | 36382751 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-05-07): proof of appraisal delivery received Buyer Comment (2026-05-07): Please see D0443 in the loan file - Appraisal receipt. |
05/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542145 | 3158626020 | 36397436 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | File is missing a copy of Tax Verification for REO property [Redacted]. | Reviewer Comment (2026-05-13): REO documentation in file acceptable Buyer Comment (2026-05-13): [Redacted] is a condo. Taxes are covered in Condo/HOA dues. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542145 | 3158626020 | 36397437 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the final 1003. | Reviewer Comment (2026-05-13): final 1003 received Buyer Comment (2026-05-13): Please review uploaded 1003s. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542145 | 3158626020 | 36397438 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file was missing a copy of the Hazard Insurance Policy. | Reviewer Comment (2026-05-13): HOI policy received Buyer Comment (2026-05-13): Please review uploaded HOI. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542145 | 3158626020 | 36397439 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file was missing a copy of the Security Instrument - Subject Lien. | Reviewer Comment (2026-05-13): SI received Buyer Comment (2026-05-13): Please review uploaded mortgage and riders. |
05/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542145 | 3158626020 | 36397441 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement is missing from the file. Available document shows blank pages. | Reviewer Comment (2026-05-13): IEADS disclosure received Buyer Comment (2026-05-13): Please review uploaded IEADS. |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542145 | 3158626020 | 36397442 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found for the fee increase and no evidence of a tolerance cure. | Reviewer Comment (2026-05-20): valid COC received with timely delivery of fee change to borrower Buyer Comment (2026-05-20): Please review uploaded CIC |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542145 | 3158626020 | 36453613 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File contains a partial CD (doc 233) with the only visible page being page 2 and the rest of the pages are blank; however, based on the date stamp at the bottom of the page this appears to be the final CD. A clear complete copy of this CD is needed and additional conditions may apply once provided and tested. | Reviewer Comment (2026-05-13): final CD received Buyer Comment (2026-05-13): Please review uploaded CD. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542149 | 3158625987 | 36409181 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542149 | 3158625987 | 36409182 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542151 | 3158625991 | 36382390 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-05-05): PCCD and corrected Escrow Disclosure in file and signed/dated by borrowers. completed prior to review Reviewer Comment (2026-05-04): PCCD and corrected Escrow Disclosure in file and signed/dated by borrowers. |
05/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542154 | 3158626003 | 36381424 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) and post-closing (additional $[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Please review uploaded CICs and LOE on $[Redacted] refund. Cure needed on Appraisal Fee and [Redacted] Fee reduced from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted], respectively, with [Redacted] CIC. [Redacted] CIC addresses $[Redacted] increase on Questionaire Fee. $[Redacted] cure less $[Redacted] and $[Redacted] leaves $[Redacted] to cover $[Redacted] for Credit Report Fee increase and $[Redacted] Flood Cert Fee increase. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542154 | 3158626003 | 36381425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) and post-closing (additional $[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Please review uploaded CICs and LOE on $[Redacted] refund. Cure needed on Appraisal Fee and [Redacted] Fee reduced from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted], respectively, with [Redacted] CIC. [Redacted] CIC addresses $[Redacted] increase on Questionaire Fee. $[Redacted] cure less $[Redacted] and $[Redacted] leaves $[Redacted] to cover $[Redacted] for Credit Report Fee increase and $[Redacted] Flood Cert Fee increase. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542154 | 3158626003 | 36381426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) and post-closing (additional $[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-14): [Redacted] received COC dated [Redacted] but the reason provided on COC is not valid as received higher cost of invoice is not a valid reason for increase in fee. An increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid 4.0, Appendix, Additional Considerations, Row 14 indicates:To illustrate, see examples of sufficient vs. insufficient COC reasons. Cure is required. Buyer Comment (2026-05-13): Please review uploaded CICs and LOE on $[Redacted] refund. Cure needed on Appraisal Fee and [Redacted] Fee reduced from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted], respectively, with [Redacted] CIC. [Redacted] CIC addresses $[Redacted] increase on Questionaire Fee. $[Redacted] cure less $[Redacted] and $[Redacted] leaves $[Redacted] to cover $[Redacted] for Credit Report Fee increase and $[Redacted] Flood Cert Fee increase. |
3 | C | C | C | C | C | C | C | C | C | C | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542154 | 3158626003 | 36381427 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Management Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) and post-closing (additional $[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Please review uploaded CICs and LOE on $[Redacted] refund. Cure needed on Appraisal Fee and [Redacted] Fee reduced from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted], respectively, with [Redacted] CIC. [Redacted] CIC addresses $[Redacted] increase on Questionaire Fee. $[Redacted] cure less $[Redacted] and $[Redacted] leaves $[Redacted] to cover $[Redacted] for Credit Report Fee increase and $[Redacted] Flood Cert Fee increase. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542154 | 3158626003 | 36381428 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Flood Certification Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) and post-closing (additional $[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-05-14): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-05-13): Please review uploaded CICs and LOE on $[Redacted] refund. Cure needed on Appraisal Fee and [Redacted] Fee reduced from $[Redacted] to $[Redacted] and $[Redacted] to $[Redacted], respectively, with [Redacted] CIC. [Redacted] CIC addresses $[Redacted] increase on Questionaire Fee. $[Redacted] cure less $[Redacted] and $[Redacted] leaves $[Redacted] to cover $[Redacted] for Credit Report Fee increase and $[Redacted] Flood Cert Fee increase. |
05/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542154 | 3158626003 | 36399844 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Reviewer Comment (2026-05-13): payoff statement received Buyer Comment (2026-05-13): Please review uploaded payoff. |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542157 | 3158626030 | 36395253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-20): [Redacted]: the survey fee was added on CD and was not disclosed any of the LE's. Hence, [Redacted] unable to determine and information provided does not clarify if this was a lender required survey or if the borrower-chosen service provider outsourced the Survey Fee or if it was borrower elected to have survey completed on their own. If this was a lender required fee, then tolerance violation is valid. If it was outsourced by the title company, then an attestation needs to confirm this from the title company. However, if this was a borrower chosen fee, then it should have been disclosed in Section H, which a Corrected CD and LOE to borrower can be provided and it can be removed from testing. Buyer Comment (2026-05-18): Do not concur. [Redacted] does not require survey's. Therefore, they are not held to a 100% tolerance. Reviewer Comment (2026-05-15): [Redacted] received rebuttal. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-14): Please see page 2150 / D0718 - Per Item 34 of the [Redacted] Title issuance policy, it appears the title company required a survey. The borrower shopped for all title service fees, which are not subject to tolerance. |
3 | C | C | C | C | C | C | C | C | C | C | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225542157 | 3158626030 | 36402392 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing 3rd party verification of the co-borrower's business. | Reviewer Comment (2026-05-12): employment verification documentation received and acceptable Buyer Comment (2026-05-12): See Employment verification and VOE. |
05/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542157 | 3158626030 | 36402393 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall finding due to the missing 3rd party verification of the co-borrower's business. | Reviewer Comment (2026-05-12): employment verification documentation received and acceptable Buyer Comment (2026-05-12): See Employment verification and VOE. Buyer Comment (2026-05-12): . Buyer Comment (2026-05-12): See attached VOE and Employment verification. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542157 | 3158626030 | 36402394 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing 3rd party verification of the co-borrower's business. | Reviewer Comment (2026-05-12): employment verification documentation received and acceptable Buyer Comment (2026-05-12): see attached docs |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542157 | 3158626030 | 36402398 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing 3rd party verification of the co-borrower's business. | Reviewer Comment (2026-05-12): employment verification documentation received and acceptable Buyer Comment (2026-05-12): See Employment verification and VOE. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542157 | 3158626030 | 36402408 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing 3rd party verification of the co-borrower's business. | Reviewer Comment (2026-05-12): employment verification documentation received and acceptable Buyer Comment (2026-05-12): See Employment verification and VOE. |
05/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542161 | 3158626019 | 36392553 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Tax Verification | Reviewer Comment (2026-05-13): REO documentation in file is acceptable Buyer Comment (2026-05-13): [Redacted] is a CO-OP and taxes are included in the HOA. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542161 | 3158626019 | 36392554 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-13): e-consent language in file is acceptable Buyer Comment (2026-05-13): Please see D0583. Borrower e-signed 1003 and section 6 contains verbiage "If this application is created as (or converted into) an "electronic application", I consent to the use of "electronic records" and "electronic signatures" as the terms are defined in and governed by applicable Federal and/or state electronic transactions laws." |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542161 | 3158626019 | 36392613 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the report to the borrower at least 3 business days prior to closing. | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225542161 | 3158626019 | 36392614 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the report to the borrower at least 3 business days prior to closing. | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225542161 | 3158626019 | 36392616 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in the file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-14): valid CIC with timely delivery of fee change received Buyer Comment (2026-05-13): Please review the top of page 8 of 17 of the Mavent (D0466) indicating the Doc Prep Fee CIC was "Rate Dependent". Rate was locked on [Redacted] CD at [Redacted]%, an increase from [Redacted]% on [Redacted] LE. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542167 | 3158626036 | 36397425 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At Closing |
05/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542170 | 3158626066 | 36388052 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not found in file and there was no evidence of a tolerance cure. | Reviewer Comment (2026-05-13): acceptable [Redacted]% tolerance for this fee and change is within tolerance Buyer Comment (2026-05-13): Do not concur. The Survey fee is held to [Redacted]% cumulative tolerance. The initial Loan Estimate issued [Redacted] disclosed Survey fee in Category C. (Services You Can Shop for). The Settlement Service Provider List imaged under document ID D0278 page 188 the borrower did not select any of the listed Survey providers: therefore, held to [Redacted]% tolerance. Additionally, the Survey fee and Recording fee are held to [Redacted]% tolerance and the charges are within the allowable tolerance. |
05/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542172 | 3158626060 | 36410600 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Reviewer Comment (2026-05-13): payoff statement received Buyer Comment (2026-05-13): Please see Page 2062 / D0682 in the loan file.. |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | DC | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225542173 | 3158626062 | 36388187 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the appraisal was provided to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-05-13): proof of appraisal delivery received Buyer Comment (2026-05-13): Please see page 694 / D0376 in the Loan File for Appraisal receipt. |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542173 | 3158626062 | 36388188 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Municipal Lien Certificate fee changed to $[Redacted] on the initial CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-05-14): [Redacted] the fee is within tolerance limit,. Buyer Comment (2026-05-13): Do not concur - please re-calculate - Borrower was allowed to shop for all Settlement and Lenders title services, this would include all associated title fees. Municipal Lien Certificate fee would fall under this umbrella and should not be held to tolerance as the borrower shopped. |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542174 | 3158626047 | 36387893 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The only delivery documentation in file is dated prior to the date of the report in file. File is missing evidence of delivery of the most recent report. | Reviewer Comment (2026-05-13): proof of appraisal delivery received Buyer Comment (2026-05-13): Please see D0361 in the Loan File for the Appraisal receipt |
05/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225542174 | 3158626047 | 36387895 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to 10% tolerance increased above the allowable limit with no valid Change of Circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-05-14): valid COC with timely disclosure of fee change received Buyer Comment (2026-05-14): Please re-review: [Redacted] - $[Redacted] [Redacted] - $[Redacted] -CIC states court charges E recording fee and specifically states applicable to category E recording ( $[Redacted] aka $11 ($[Redacted]+$[Redacted]=$[Redacted]) [Redacted] - $[Redacted] [Redacted] - $[Redacted] [Redacted] - $[Redacted] -CIC states additional recording fee required for lien release applicable to category E recording (quit claim deed in file dated [Redacted]) Reviewer Comment (2026-05-14): [Redacted] received Changed Circumstance dated [Redacted] and [Redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason recording fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-13): Please see D0313 in the Loan File for the Change in Circumstance for the increase in recording fees |
05/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225542174 | 3158626047 | 36387955 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 2.6, which does not meet securitization requirements. | Reviewer Comment (2026-05-14): desk review received, with a value supporting the appraised value Buyer Comment (2026-05-14): Please see CDA |
05/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | GA | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |