Exhibit 99.01 Schedule 2
| 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 |
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2025-10-15): Provided. Cleared. |
10/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. | Reviewer Comment (2025-10-14): Received, Clearing. |
10/14/2025 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2025-10-04): Received, Clearing. Seller Comment (2025-10-03): XXXX Certificate of Compliance or Exemption |
10/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-09-22): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IL | Second Home | Purchase | Final CD evidences Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-09-22): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IL | Second Home | Purchase | Final CD evidences Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | XXXX Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. | Reviewer Comment (2025-10-29): XXXX received lender attestation
confirming incomplete CD and missing issue dates were balancing CD's and not
disclosed to borrower. |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | Good Faith Redisclosure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | XXXX Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued | Reviewer Comment (2025-10-29): XXXX received lender attestation confirming
incomplete CD and missing issue dates were balancing CD's and not disclosed
to borrower. |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | Good Faith Redisclosure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | XXXX Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2025-10-29): XXXX received lender attestation
confirming incomplete CD and missing issue dates were balancing CD's and not
disclosed to borrower. |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | No Defined Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | XXXX Disclosure - Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Reviewer Comment (2025-10-29): XXXX received lender attestation
confirming incomplete CD and missing issue dates were balancing CD's and not
disclosed to borrower. Seller Comment (2025-10-28): Attestation |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | TRID timing exception, no remediation available. | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Drive-by BPO - Standard Form - 2 Days | Reviewer Comment (2025-10-14): Received, Clearing. Reviewer Comment (2025-10-13): Valuation Received - XXXX |
10/14/2025 | 1 | A | A | A | A | A | IL | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000097486 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-08): Accepted as is. Reviewer Comment (2026-05-08): . Reviewer Comment (2025-10-14): Accepted as is. |
05/08/2026 | 2 | B | B | B | B | B | IL | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | A Complete fraud report is not provided for both the borrowers | Reviewer Comment (2025-11-05): Received, Clearing. |
11/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | XXXX Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Loan estimate was issued XXXX which was after Closing Disclosure issued XXXX | Reviewer Comment (2025-10-30): XXXX received LOA to remove
document(s) ID XXXX, XXXX XXXX, XXXX, XXXX and XXXXestimated to be provided
on XXXX, from testing as not provided to the borrower. Seller Comment (2025-10-29): Attestation |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | XXXX Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Calculated finance charges are $XXXX & as per final Closing disclosure it is mentioned as $XXXX showing variance of -$XXXX, updated all the fees as per available documents | Reviewer Comment (2025-10-30): XXXX received lender
certification & amortization schedule confirming the 2nd home MI cutoff
LTV percent for termination. Seller Comment (2025-10-29): Finance Charge |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | XXXX Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 XXXX. The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. | Calculated Total of Payments are $XXXX & as per final Closing disclosure it is mentioned as $XXXX showing variance of -$XXXX, updated all the fees as per available documents | Reviewer Comment (2025-10-30): XXXX received lender
certification & amortization schedule confirming the 2nd home MI cutoff
LTV percent for termination. |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | 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 | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $XXXXon LE but disclosed as $XXXXon Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-10-16): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097492 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | XXXX Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Disclosure did not show the interest payment for payment stream 2 accurately. | Reviewer Comment (2025-10-30): XXXX received lender
certification & amortization schedule confirming the 2nd home MI cutoff
LTV percent for termination. |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097465 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | XXXX Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial XXXX closing disclosure was signed on XXXX, missing evidence of earlier receipt. | Reviewer Comment (2025-10-16): XXXX received initial CD. Seller Comment (2025-10-16): Not Valid - Initial CD esigned on XXXX, Closing date is XXXX |
10/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| XXXXXX | 6000097465 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Waterfall due to XXXX is testing the loan as a Higher Priced QM APOR | Reviewer Comment (2025-10-31): Restated. Seller Comment (2025-10-31): Exception XXXX was cleared, can this exception be cleared as well? Thanks! |
10/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | UT | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097465 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. | Reviewer Comment (2025-09-23): Accepted as is. |
09/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000097465 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Ability to Repay / Qualified Mortgage (Dodd-Frank XXXX): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment (2025-10-31): Accepted as is. |
10/31/2025 | 2 | A | B | B | B | A | UT | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| XXXXXX | 6000097466 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent on XXXX. Default receipt date is XXXX, which is less than 3 business days prior to Note date XXXX. Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. | Reviewer Comment (2025-09-23): Accepted as is. |
09/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000097466 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | XXXX Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$XXXXon the initial Loan Estimate but disclosed as -$XXXXon the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. | Reviewer Comment (2025-11-05): XXXX received COC dated XXXX Seller Comment (2025-11-04): docs uploaded |
11/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | 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 | |||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall failure due to Borrower is wage earner and file does not have recent year W-2 and paystub document with YTD details within 30 days. | Reviewer Comment (2025-10-18): Received, Clearing. |
10/18/2025 | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | Waterfall failure due to Borrower is wage earner and file does not have recent year W-2 and paystub document with YTD details within 30 days. The WVOE provided is incomplete. | Reviewer Comment (2025-10-18): Received, Clearing. |
10/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall failure due to Borrower is wage earner and file does not have recent year W-2 and paystub document with YTD details within 30 days. | Reviewer Comment (2025-10-18): Received, Clearing. |
10/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | 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 failure due to Borrower is wage earner and file does not have recent year W-2 and paystub document with YTD details within 30 days. | Reviewer Comment (2025-10-18): Received, Clearing. |
10/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2025-10-22): XXXX received a valid COC. Seller Comment (2025-10-21): COC |
10/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2025-10-27): XXXX received a valid COC. Seller Comment (2025-10-24): COC, LOE Reviewer Comment (2025-10-22): XXXX received COC datedXXXX stating "Borrower requested rush." However, we would require additional information as to why the rush was requested in order to clear the exception. Seller Comment (2025-10-21): COC |
10/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall failure due to Borrower is wage earner and file does not have recent year W-2 and paystub document with YTD details within 30 days. | Reviewer Comment (2025-10-18): Received, Clearing. Seller Comment (2025-10-17): income documents |
10/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | Provided AUS is post-dated after the Note. AUS approval document prior to the Note date is required. | Reviewer Comment (2025-10-18): Received, Clearing. Seller Comment (2025-10-17): AUS |
10/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000097457 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Provided AUS is post-dated after the Note. AUS approval document prior to the Note date is required. | Reviewer Comment (2025-10-22): Received, Clearing. Seller Comment (2025-10-21): Clients can run AUS post closing - the only requirement is that the initial submission was prior to closing. As verified on the AUS in the file, the initial submission date is XXXX |
10/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000097443 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Received policy document is post note date , required updated Flood policy document with effective date same or before note date XXXX | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-10-23): Client elects to waive. Buyer Comment (2025-10-23): ok to waive this exception. Reviewer Comment (2025-10-21): As stated in the prior response, the LOE must be from the insurer who would be aware of any incidents. Seller Comment (2025-10-20): Attestation Reviewer Comment (2025-10-16): Coverage on a purchase in a wet-closing state is from the note closing. Without a LOE from the insurer of no damage or claims can be provided. Seller Comment (2025-10-16): The loan disbursed on XXXX. A borrower does not own or take ownership until the loan disburses. Loan funded XXXX which is the effective date of the policies |
10/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| XXXXXX | 6000097443 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Received policy document is post note date , required updated hazard policy document with effective date same or before note date XXXX | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-10-23): Client elects to waive. Buyer Comment (2025-10-23): ok to waive this exception. Reviewer Comment (2025-10-21): As stated in the prior response, the LOE must be from the insurer who would be aware of any incidents. Seller Comment (2025-10-20): Attestation Reviewer Comment (2025-10-16): Coverage on a purchase in a wet-closing state is from the note closing. Without a LOE from the insurer of no damage or claims can be provided. Seller Comment (2025-10-16): The loan disbursed on XXXX. A borrower does not own or take ownership until the loan disburses. Loan funded XXXX which is the effective date of the policies |
10/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| XXXXXX | 6000097443 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Provide Fraud report, report provided indicated Broker and Loan officer hit for OFAC XXXX and XXXX | Reviewer Comment (2025-11-04): Received, Clearing. Seller Comment (2025-11-04): Not valid Reviewer Comment (2025-10-15): Provide Fraud report, report provided indicated Broker and Loan officer hit for OFAC XXXX and XXXX |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000097476 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report indicates the buyer's real estate agent XXXX has imposed suspension. XXXX reciprocal ineligible indefinite with proceedings pending. | Reviewer Comment (2025-11-04): Received, Clearing. Seller Comment (2025-11-04): Not valid Reviewer Comment (2025-10-15): Fraud report indicates the buyer's real estate agent XXXX has imposed suspension. XXXX reciprocal ineligible indefinite with proceedings pending. Provide clear fraud report, Exception remains |
11/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000097471 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing, as would be required for securitization. | Reviewer Comment (2025-10-14): Received, Clearing. |
10/14/2025 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000097471 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report is not provided | Reviewer Comment (2025-11-05): Received, Clearing. Reviewer Comment (2025-10-15): Provide updated clear Fraud report XXXX hit for XXXX. Exception remains. |
11/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000097471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX ): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing proof of appraisal delivery 3 business days prior to consummation. | Reviewer Comment (2025-09-26): Accepted as is. |
09/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| XXXXXX | 6000097471 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 2 Days | Reviewer Comment (2025-10-14): Received, Clearing. Reviewer Comment (2025-10-13): Valuation Received -XXXX |
10/14/2025 | 1 | A | A | A | A | A | MI | Investment | Purchase | D | B | C | A | B | B | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000097496 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Social Security Number Verification (SSA-89) not provided | Social Security Number Verification (XXXX) is not provided. | Reviewer Comment (2025-10-29): Received, Clearing. Seller Comment (2025-10-29): DRIVE report starts on XXXX Seller Comment (2025-10-29): Please review the documentation and explanation provided and advise why it is not acceptable. The LOE states that the client uses the Drive Report to validate and review the borrowers information. Page 2 and 3 of the report show the borrowers profile Reviewer Comment (2025-10-28): Nothing was provided to resolve this exception. Seller Comment (2025-10-27): . |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000097496 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | The file is missing Source of fund deposit for Earnest money deposit Amount of $XXXX. Bank statements for XXXX checking account #XXXXand #XXXXare not located in file. | Reviewer Comment (2025-10-29): Received, Clearing. Seller Comment (2025-10-29): XXXX account CAN be considered - the file contains sufficient asset documentation Reviewer Comment (2025-10-14): We only have $XXXX available for closing, as the XXXX Stocks can only be used if they are liquidated. Seller Comment (2025-10-14): I agree the XXXX report is not in the file. However, if you remove the assets from the available funds to close there are still sufficient assets. Reviewer Comment (2025-10-14): Please provide XXXX report #XXXX. Seller Comment (2025-10-13): 1. Borrowers have sufficient funds without crediting the $XXXX EMD. 2. As referenced in LPA item XXXX assets were verified using XXXX report #XXXX. Having said that, the borrowers have verified sufficient funds without these accounts. |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000097496 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The file is missing Source of fund deposit for Earnest money deposit Amount of $XXXX. Bank statements for XXXX checking account #XXXXand #XXXXare not located in file. | Reviewer Comment (2025-10-29): Received, Clearing. Seller Comment (2025-10-29): EMD Check and sufficient assets that were already provided |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000097496 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The file is missing Source of fund deposit for Earnest money deposit Amount of $XXXX. Bank statements for XXXX checking account #XXXX and #XXXXare not located in file. | Reviewer Comment (2025-10-29): Received, Clearing. Seller Comment (2025-10-29): Invalid request Reviewer Comment (2025-10-28): The XXXX sourcing for the EMD was not found on the list of transactions provided. Seller Comment (2025-10-27): assets |
10/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-10-03): Clearing based on review coming
back within tolerances. |
10/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2025-10-03): Accepted as is. |
10/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2025-10-04): Received, Clearing. Seller Comment (2025-10-03): Comment from XXXX (XXXX): See attached |
10/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2025-10-04): Received, Clearing. Buyer Comment (2025-10-03): Comment from XXXX (XXXX): See previous upload |
10/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2025-10-04): Received, Clearing. Buyer Comment (2025-10-03): Comment from XXXX (XXXX): See previous upload |
10/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000092689 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2025-10-28): Received Employer Identification
Number (EIN). Exception cleared. Seller Comment (2025-10-27): Comment from XXXX (XXXX): See attached Reviewer Comment (2025-10-20): Provide EIN for the subject business - "XXXX". Exception remains. Seller Comment (2025-10-20): Comment from XXXX (XXXX): EIN documentation |
10/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000094256 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-10-21): Clearing based on review coming
back within tolerances. |
10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000094256 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-10-22): Accepted as is. |
10/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000169 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2025-10-21): Client elects to waive |
10/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000169 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file was missing a copy of Flood Certificate. | Reviewer Comment (2025-10-21): Received Flood Certificate.
Exception cleared. |
10/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000169 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-10-21): Client elects to waive |
10/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000095079 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-10-23): Clearing based on review coming
back within tolerances. |
10/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000173 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing for XXXX | Reviewer Comment (2025-10-24): Received, Clearing. |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000173 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-10-24): Accepted as is. |
10/24/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000173 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Occupying Borrower must have documented income equal to XXXX% of PITIA | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-10-24): Client elects to waive with
compensating factors |
10/24/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 2000000173 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Buydown Agreement not provided | The buydown agreement on file is not executed. Please provide agreement signed by all parties. | Reviewer Comment (2025-10-24): Signed buydown agreement
received |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exception have been cured/cleared. | Reviewer Comment (2025-10-31): Received, Clearing. |
10/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank XXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing W2s and VVOE for Borrowers income. Only 1 paystub provided. | Reviewer Comment (2025-10-31): Received, Clearing. Buyer Comment (2025-10-30): No income was used to qualify XXXX, monthly income was left as $XXXX. Asset Qualifier used on XXXX |
10/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Missing W2s and VVOE for Borrowers income. Only 1 paystub provided. | Reviewer Comment (2025-10-31): Received, Clearing. |
10/31/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | XXXX Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-10-30): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2 | Reviewer Comment (2025-10-31): XXXX received seller CD and sales
contract. No seller paid fees on new
construction purchase direct from builder Reviewer Comment (2025-10-31): XXXX received seller CD and contract. No seller paid costs on new construction purchase for seller. |
10/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Equity in the departure residence must be documented with a 2055 exterior appraisal or full appraisal, as well as, signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing on subject transaction. | Reviewer Comment (2025-10-30): A copy of an executed sales
contract for the property pending sale within 30 days provided. Cleared. |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000187 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | Missing documentation to verify new HELOC with Figure as disclosed. | Reviewer Comment (2025-10-30): HELOC agreement provided,
cleared. |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000097289 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-11-12): Accepted as is. |
11/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000097289 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-11-12): Clearing based on review coming
back within tolerances. |
11/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000098856 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required | Reviewer Comment (2025-12-04): Received, Clearing. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Please see highlighted section of page 2. Would you accept the coverage shown stating actual loss? Reviewer Comment (2025-11-20): XXXX loss of use doesn't cover 6 months of rent. Seller Comment (2025-11-20): Comment from XXXX (XXXX): Rent Loss |
12/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-11-14): Clearing based on review coming
back within tolerances. |
11/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2025-11-20): CDA provided. Cleared. Seller Comment (2025-11-20): Comment from XXXX XXXX : Secondary valuation |
11/20/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file is missing copy of Flood Certificate Report | Reviewer Comment (2025-11-18): Received Flood Certificate.
Exception cleared. Seller Comment (2025-11-18): Comment from XXXX XXXX : flood cert |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file is missing copy of Fraud Report . | Reviewer Comment (2025-11-18): Received Fraud Report. Exception
cleared. Seller Comment (2025-11-18): Comment from XXXX XXXX : fraud |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-09): Received, Clearing. Reviewer Comment (2025-11-24): Failing due to short reserves and LYV violation. Seller Comment (2025-11-24): Comment from XXXX XXXX : Cleared mavent |
12/09/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2025-12-09): Received, Clearing Reviewer Comment (2025-11-24): Failing due to short reserves and LYV violation. Seller Comment (2025-11-24): Comment from XXXX XXXX : Cleared Mavent |
12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | XXXX Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2025-11-21): XXXX received CD dated XXXX Seller Comment (2025-11-20): Comment from XXXX XXXX : Initial Closing Disclosure |
11/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | 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 (2025-11-20): VVOE Provided. Cleared. Seller Comment (2025-11-20): Comment from XXXX XXXX : VVOE dated XXXX |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXX does not currently offer a WVOE program. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-11): Client elected to waive/regrade
with compensating factors. Lender exception provided. Seller Comment (2025-12-11): Comment from XXXX XXXX : XXXX Exception for not having WVOE program |
12/11/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing VOR for current residence, as required per guidelines. | Reviewer Comment (2025-11-18): Provided. Cleared. Seller Comment (2025-11-18): Comment from XXXX XXXX : vor |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | XXXX% Reduction for Declining Market, per guides | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-09): Buyer elects to waive. |
12/09/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000098170 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2025-12-13): Received, Clearing. Seller Comment (2025-12-12): Comment from XXXX XXXX : Reserves attached these were used to clear finding Reviewer Comment (2025-12-11): We are not XXXX. Another TPR clearing reserves wouldn't resolve this TPRs finding. Seller Comment (2025-12-11): Comment from XXXX XXXX : PDF of Reserve Finding being cleared by XXXX Reviewer Comment (2025-12-10): Closed in error. Reviewer Comment (2025-12-09): Buyer elects to waive. Reviewer Comment (2025-12-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of XXXX. |
12/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Sufficient PCCD provided. Please provide Letter of Explanation, Proof of Delivery and Re-open Rescission (required on rescindable transactions). | Reviewer Comment (2025-12-15): XXXX received PCCD, LOE, Copy of
Refund Check, Re-opening of Rescission and Proof of Receipt. Seller Comment (2025-12-12): Comment from XXXX (XXXX): Hello, please see attached the Tracking detail and NORTC for non-borrower holding title only. Thank you Reviewer Comment (2025-12-10): XXXX received executed RTC by borrower 1 and LOE. However, all consumers must complete the reopening of rescission. Security instrument reflects another consumer, which we are missing their proof of reopening of rescission. ADDITIONALLY, the tracking with XXXX for the cure package and refund does not reflect it has yet been picked up by carrier. Also provide proof when carrier has picked up package. Seller Comment (2025-12-09): Comment from XXXX (XXXX): Hello, please see attached, thank you Reviewer Comment (2025-12-09): My apologies, The RTC is insufficient. The RTC expiration date is XXXX, and the document was signed on XXXX. XXXX was a national holiday and does not count towards the three-day waiting period. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2025-12-08): Comment from XXXX (XXXX): Hello, please see attached the Post CD and proof of delivery. Thank you Reviewer Comment (2025-12-03): Copy of Refund check and RTC received. Please provide PCCD, LOE and proof of delivery to complete cure. Seller Comment (2025-12-02): Comment from XXXX (XXXX): Hello Team, please see attached the NOTRC and cure check for this file. Reviewer Comment (2025-11-21): XXXX received compliance report and final settlement statement. Appears per the compliance report, that lender did not include the 3rd Party Processing Fee of $XXXX disclosed in Section B. This would be a finance charge. Lender included the notary fee in their calculations and thus why the Finance charge variance differs less than the $XXXX Processing Fee. Cure requires Corrected CD, LOE to borrower, copy of cure refund for $XXXX , proof of mailing and proof of reopening of rescission to all consumers. Seller Comment (2025-11-20): Comment from XXXX (XXXX): Hello Team, Please see attached the Compliance report for this file. Thank you Reviewer Comment (2025-11-20): XXXX received Corrected CD, final settlement statement & LOE. however, the finance charge is underdisclosed. Unable to determine lender's finance charge calculations. Please provide compliance report to determine calculation or provide cure with Corrected CD, LOE to borrower, copy of cure refund of $XXXX , proof of mailing and proof of reopening of rescission to all consumers. Seller Comment (2025-11-19): Comment from XXXX (XXXX): Hello Team, Please see attached the completed and stamped Final SS. Thank you Reviewer Comment (2025-11-19): Final settlement statement is incomplete. Please provide complete signed stamped Settlement Statement. Seller Comment (2025-11-18): Comment from XXXX (XXXX): Hello Team, Please see attached the correct Post Consummation CD dated on XXXX and Final Settlement Statement showing the Amount Financed is $XXXX and lower than the Amount Financed on FCD XXXX . Please help to review and waive this condition. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Sufficient PCCD provided. Please provide Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount and Re-open Rescission (required on rescindable transactions) | Reviewer Comment (2025-12-15): XXXX received PCCD, LOE, Copy of
Refund Check, Re-opening of Rescission and Proof of Receipt. Seller Comment (2025-12-12): Comment from XXXX (XXXX): Hello, please see attached the Tracking detail and NORTC for non-borrower holding title only. Thank you Reviewer Comment (2025-12-10): XXXX received executed RTC by borrower 1 and LOE. However, all consumers must complete the reopening of rescission. Security instrument reflects another consumer, which we are missing their proof of reopening of rescission. ADDITIONALLY, the tracking with XXXX for the cure package and refund does not reflect it has yet been picked up by carrier. Also provide proof when carrier has picked up package. Seller Comment (2025-12-09): Comment from XXXX (XXXX): Hello, please see attached, thank you Reviewer Comment (2025-12-09): My apologies, The RTC is insufficient. The RTC expiration date is XXXX, and the document was signed on XXXX. XXXX was a national holiday and does not count towards the three-day waiting period. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2025-12-08): Comment from XXXX (XXXX): Hello, please see attached the Post CD and proof of delivery. Thank you Reviewer Comment (2025-12-03): Copy of Refund check and RTC received. Please provide PCCD, LOE and proof of delivery to complete cure. Seller Comment (2025-12-02): Comment from XXXX (XXXX): Hello Team, please see attached the NOTRC and cure check for this file . Thank you |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing POCB receipts for appraisal and credit report. | Reviewer Comment (2025-11-19): Received Invoice. Exception
cleared. Seller Comment (2025-11-18): Comment from XXXX (XXXX): Hello Team, please see attached, thank you |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-10): Client elects to waive with
compensating factors |
12/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-10): Reserves exception waived |
12/10/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000100060 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfalling due to reserve shortage | Reviewer Comment (2025-12-10): Reserves exception waived |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000209 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): 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. | Reviewer Comment (2025-11-21): Accepted as is. |
11/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000209 | XXXXXX | XXXXXX | 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 $ XXXX exceeds tolerance of $ XXXX $ XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. $ XXXXover legal limit. No cure was provided to the borrower. | Reviewer Comment (2025-12-02): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2025-12-01): Appraisal cure Reviewer Comment (2025-11-24): XXXX received XXXX LE, XXXX changed circumstance, XXXX PCCD. However, the changed circumstance did not give sufficient information for why the appraisal review fee was required and when lender became aware. No cure was provided. Buyer Comment (2025-11-24): LEs and PCCD |
XXXXXX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000209 | XXXXXX | XXXXXX | 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 $ XXXX exceeds tolerance of $ XXXX. $ XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. $ XXXXover legal limit.No no cure was provided to the borrower. | Reviewer Comment (2025-12-01): XXXX received valid COC dated
XXXX Reviewer Comment (2025-11-24): XXXX received XXXX5 LE, XXXX changed circumstance, XXXX PCCD. However, the changed circumstance did not give sufficient information for why the credit report fee was increased and when lender became aware. No cure was provided. |
12/01/2025 | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000103584 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2025-12-03): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2025-12-02): Comment from XXXX (XXXX): E consent provided |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100142 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-11-25): Accepted as is. |
11/25/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100142 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is withinXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-11-25): Accepted as is. |
11/25/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the appraisal invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement | Reviewer Comment (2025-12-04): Received Appraisal Invoice.
Exception cleared. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the Credit report invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement | Reviewer Comment (2025-12-10): Reserves exception waived Reviewer Comment (2025-12-04): Please provide paid invoice for credit report fee of XXXX . Exception remains. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the HOA Cert fee invoice reflecting an amount of $XXXX along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement | Reviewer Comment (2025-12-04): Received POCB HOA Cert Invoice.
Exception cleared. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the HOI invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement | Reviewer Comment (2025-12-04): Received POCB Hazard premium
Invoice. Exception cleared. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Borrower waived the right to receive a copy of appraisal (3) business days prior to consummation. | Reviewer Comment (2025-11-26): Accepted as is. |
11/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2025-12-13): Received, Clearing. Buyer Comment (2025-12-12): Comment from XXXX (XXXX): Hello Team, please advise why we need reopen recission for this file since the loan does not have any cure. Thank you Reviewer Comment (2025-12-05): Proof of Delivery, and Re-open Rescission using the correct model form is still needed for the cure. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached the Post Consummation CD showing the disbursement date is XXXX . Thank you |
12/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated months of reserves is less than the required reserves of 6 months. | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-10): Client elects to waive with
compensating factors |
12/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets for closing in the amount of $XXXX is less than cash from borrower in the amount of $XXXX. | Reviewer Comment (2025-12-05): Received, Clearing. Seller Comment (2025-12-04): Comment from XXXX (XXXX): Hello, please see attached the Post Consummation Closing Disclosure and Final Settlement statement showing the borrower get cash back and no need fund to close. Thank you |
12/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan is at ATR risk due to short funds to close and reserves. | Reviewer Comment (2025-12-10): Client waived reserves
exception |
12/10/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000100296 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is at ATR risk due to short funds to close and reserves. | Reviewer Comment (2025-12-10): Client waived reserves
exception |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100373 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing for REO XXXX. | Reviewer Comment (2025-12-01): Received HOA Verification for
XXXX . Exception cleared. Seller Comment (2025-12-01): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100709 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2025-12-02): Received 442 - Certificate of
Completion. Exception cleared. Seller Comment (2025-12-02): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100709 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-11-28): Accepted as is. |
11/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100709 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2025-12-08): Cleared with PCCD Seller Comment (2025-12-08): Comment from XXXX (XXXX): Total assets XXXX - Cash to Close per PCCDXXXX = XXXX available for reserves. Required reserves = XXXX * XXXX months = XXXX . Therefore, we have verified sufficient reserves, thank you. Reviewer Comment (2025-12-01): Received POCB Invoices are included in assets for closing. However, assets available for reserves of XXXX is less than guideline requirement of XXXX . Please provide additional assets. Exception remains. Seller Comment (2025-12-01): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100310 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-11-28): Accepted as is. |
11/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000101456 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2025-12-02): Accepted as is. |
12/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098741 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2025-12-10): Sufficient assets to close and
reserves verified Reviewer Comment (2025-12-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX Seller Comment (2025-12-10): Comment from XXXX (XXXX): Assets totaling XXXX // Required XXXX // Reserves (XXXX ) XXXX |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000098741 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2025-12-10): Sufficient assets to close and
reserves verified Reviewer Comment (2025-12-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Seller Comment (2025-12-10): Comment from XXXX (XXXX): Reserves XXXX |
12/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000102246 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2025-12-02): Received wire confirmation and
deposit receipt for $XXXX received from escrow, included in funds for
closing. Hence, assets available for reserves is sufficient to meet guideline
reserves requirement. Exception cleared. Seller Comment (2025-12-01): Comment from XXXX (XXXX: The closing fund of $XXXX is not from the borrower's account. It is from escrow. Proof provided in the closing package, also reuploaded again. Therefore, we have enough asset to cover the reserves |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000102246 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing Paid Invoice for POCB Appraisal | Reviewer Comment (2025-12-02): Received Appraisal Invoice.
Exception cleared. Seller Comment (2025-12-01): Comment from XXXX (XXXX): APPRAISAL INVOICE |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000102246 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing Paid Invoice for POCB HOA Cert | Reviewer Comment (2025-12-02): Received POCB HOA Cert Invoice.
Exception cleared. Seller Comment (2025-12-01): Comment from XXXX (XXXX): HOA INVOICE |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000102246 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing Invoice for POCB Master EOI | Reviewer Comment (2025-12-02): Received POCB Master EOI Invoice.
Exception cleared. Seller Comment (2025-12-01): Comment from XXXXi (XXXX): MASTER EOI RECEIPT |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098924 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is not privided. | Reviewer Comment (2025-12-13): Received, Clearing. Seller Comment (2025-12-13): Comment from XXXX (XXXX): See attached. Reviewer Comment (2025-12-10): Received 1003 is incomplete. Please provide complete Final 1003. Exception remains. Seller Comment (2025-12-10): Comment from XXXX (XXXX): The borrower's signature is on page 4. Reviewer Comment (2025-12-09): Received Incomplete 1003. Provide Complete Final 1003 with borrower signature. Exception remains. Seller Comment (2025-12-09): Comment from XXXX (XXXX): See attached Reviewer Comment (2025-12-03): Provide Final 1003 current transaction with property address - "XXXX ". Exception remains. Seller Comment (2025-12-02): Comment from XXXX (XXXX): See attached |
12/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000098924 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): 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. | Borrower waived the right to receive a copy of appraisal (3) business days prior to consummation. | Reviewer Comment (2025-12-01): Client elects to waive |
12/01/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000098924 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Condo Warranty Certification - Seller may review and approve XXXX warrantable projects. A certification, similar to the XXXX Condominium Project Warranty Certification must be provided with the loan package along with the XXXX Condominium Questionnaire or similar as well as any other documents used to determine eligibility. | Reviewer Comment (2025-12-04): Received, Clearing. Seller Comment (2025-12-04): Comment from XXXX (XXXX): See attached |
12/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100063 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2025-12-02): PCCD received and entered,
exception cleared Seller Comment (2025-12-01): Comment from XXXX (XXXX): Hello Team, please see attached the Post Consummation CD and Final Settlement Statement showing the cash to close is XXXX and borrower has enough the fund to close. Thank you |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000100063 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX prior to three (3) business days from transaction date of XXXX | Reviewer Comment (2025-12-02): PCCD received and entered,
exception cleared Seller Comment (2025-12-01): Comment from XXXX (XXXX): Hello Team, please see attached the Post CD and Final Settlement statement showing the disbursement date is XXXX . Thank you |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000100063 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-03): XXXX approves reserves as is. Reviewer Comment (2025-12-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . |
12/03/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000100063 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the Reserve requirements. | Reviewer Comment (2025-12-03): Clearing based on waived reserves
exception. |
12/03/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000100063 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to the Reserve requirements. | Reviewer Comment (2025-12-03): Clearing based on waived reserves
exception. |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100349 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-02): Client elects to waive |
12/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100349 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2025-12-03): Received UCDP Submission Summary
Report with risk score less than 2.5. Hence secondary valuation is not
required. Exception cleared. Seller Comment (2025-12-03): Comment from XXXX (XXXX): SSR |
12/03/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100513 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | PITIA months of reserves of XXXX is less than required reserves of XXXX months, provide bank statement reflecting sufficient reserves. | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-03): XXXX approves reserves as is. |
12/03/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000100513 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-03): Clearing based on waived reserves
exception. |
12/03/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000100513 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Available Reserves are not meet the guidelines requirement. | Reviewer Comment (2025-12-03): Clearing based on waived reserves
exception. |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100513 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | POCB Invoice for Appraisal Fee $XXXX is missing. | Reviewer Comment (2025-12-03): Received Invoice. Exception
cleared. Seller Comment (2025-12-02): Comment from XXXX (XXXX): INVOICE |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100513 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | POCB Invoice for Credit Fee $XXXX is missing. | Reviewer Comment (2025-12-03): Received Invoice. Exception
cleared. Seller Comment (2025-12-02): Comment from XXXX (XXXX): INVOICE |
12/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000081501 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-02): Accepted as is per client. |
12/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | D | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXXX | 4000081501 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Certificate of Good Standing is Missing | Reviewer Comment (2025-12-02): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2025-12-02): Comment from XXXX (XXXX): Hello, please see attached |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | D | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000081501 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-02): Accepted as is per client. |
12/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | D | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000100772 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Policy Amount is missing on Title Preliminary | Reviewer Comment (2025-12-11): Accepted as is. |
12/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000100772 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in File | Reviewer Comment (2025-12-12): Received Fraud Report. Exception
cleared. Seller Comment (2025-12-12): Comment from XXXX (XXXX): Fraud Report |
12/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000101467 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-04): Accepted as is. |
12/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | C | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000101467 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. One valuation was provided, with no CU or LCA. | Reviewer Comment (2025-12-05): Acceptable UCDP risk score
received, exception cleared Seller Comment (2025-12-05): Comment from XXXX (XXXX): Please see attached |
12/05/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | C | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000101467 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient | Reviewer Comment (2025-12-08): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2025-12-08): Comment from XXXX (XXXX): Please see attached RCE |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000101467 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-12-04): Accepted as is. |
12/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | C | B | B | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-04): Accepted as is. |
12/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2025-12-10): XXXX received corrected PCCD
reconciled with ALTA final SS, LOE and final SS. Reviewer Comment (2025-12-09): XXXX received rebuttal comment that no LOX is required but to address the exception LOE is required for updated title fees on PCCD. LOX to accompanying CD is required for remediations. Buyer Comment (2025-12-08): PCCD shows total recording charges of $XXXX, please remove no LOX needed as fees decreased. Reviewer Comment (2025-12-08): XXXX received Post CD and Final SS. However, LOX to the borrower is missing from the file. |
12/10/2025 | 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 | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | 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 $ XXXX exceeds tolerance of $ XXXX. $ XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2025-12-10): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Reviewer Comment (2025-12-08): XXXX received CD. However, we would require a valid COC as to why the Appraisal fee increased on CD dated XXXX for $XXXX. Kindly provide a valid COC or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |
XXXXXX | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-05): Client exception received. Reviewer Comment (2025-12-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Buyer Comment (2025-12-05): Total asset calculation equals XXXX months reserves based on closing CD and latest asset statements. Please rework, exception provided for short .XXXX months reserves. Buyer Comment (2025-12-05): Exception |
12/05/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-05): Clearing based on the exception
for reserves. |
12/05/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 2000000203 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2025-12-05): Clearing based on the exception
for reserves. |
12/05/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000205 | XXXXXX | XXXXXX | 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 $ XXXX is less than the note amount of $ XXXX based on the Preliminary in file. | Reviewer Comment (2025-12-04): Accepted as is. |
12/04/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2025-12-08): Accepted as is. |
12/08/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2025-12-16): Received, Clearing. Seller Comment (2025-12-15): Comment from XXXX (XXXX): Hello Team please see attached the Post Consummation CD and Final SS showing the disbursement date is XXXX. Thank you |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2025-12-16): Received, Clearing. Seller Comment (2025-12-15): Comment from XXXX (XXXX): Hello Team please see attached the Post Consummation CD and Final SS showing the cash back is XXXX. Thank you |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | PITIA months of reserves of XXXX is less than required reserves of 6 months. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-10): Client elects to waive with
compensating factors |
12/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation of Non QM does not match due diligence designation of ATR Risk. | Reviewer Comment (2025-12-16): Received, Clearing. |
12/16/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000100267 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is at ATR risk due to short funds to close and reserves. | Reviewer Comment (2025-12-16): Received, Clearing. |
12/16/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000215 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient and Shortfall of $ XXXX. | Reviewer Comment (2025-12-08): RCE received, exception
cleared |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 2000000215 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Guidelines allowed max loan amount is $ XXXX MM for DSCR loans. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-08): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
12/08/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 2000000215 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-08): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
12/08/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 2000000215 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-08): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
12/08/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000100845 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-09): Accepted as is. |
12/09/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to XXXX business days from transaction date of XXXX | Reviewer Comment (2025-12-18): Received, Clearing. Seller Comment (2025-12-18): Comment from XXXX (XXXX): Hello Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you |
12/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-17): Client elects to waive with
compensating factors |
12/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Require additional bank statements to meet cash to close and reserves requirements. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-17): Client elects to waive with
compensating factors |
12/17/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to insufficient assets to meet cash to close and reserves requirements. | Reviewer Comment (2025-12-17): Client elects to waive reserves
exception |
12/17/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): 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.) | ATR failure due to insufficient income/asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2025-12-17): Client elects to waive reserves
exception |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was agency approved with an Originator Loan Designation of (enter designation); but the required (enter missing documentation) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. | Reviewer Comment (2025-12-17): Client elects to waive reserves
exception |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the appraisal invoice reflecting an amount of $XXXX , along with documentation for additional assets totaling $XXXXto satisfy the reserve requirement | Reviewer Comment (2025-12-15): Received Invoice for Appraisal
fee of $XXXX. Exception cleared. Seller Comment (2025-12-15): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000103411 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the appraisal invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXXto satisfy the reserve requirement | Reviewer Comment (2025-12-15): Received Invoice for Credit
Report fees of $XXXX. Exception cleared. Seller Comment (2025-12-15): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000237 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-12): Client elects to waive |
12/12/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000237 | XXXXXX | XXXXXX | 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 $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-12): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 2000000222 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2025-12-18): Accepted as is. |
12/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105546 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing | Reviewer Comment (2025-12-22): Received property history report
and insurance verification. Exception cleared. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Hello, please see attached the EOI and the PP showing the property is single family so HOA due. Thank you Reviewer Comment (2025-12-17): Received Hazard Insurance Policy for the property XXXX is for the period XXXX till XXXX. Please provide Hazard Insurance Policy active at the time of closing date XXXX. Also please provide HOA Verification for the property. Exception remains. Seller Comment (2025-12-17): Comment from XXXX (XXXX): Hello, please see attached, thank you |
12/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000229 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | The borrower has a 1x30 in XXXX, which doesn't meet guidelines | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2025-12-16): Client elects to waive with
compensating factors |
12/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000104600 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Policy in file effective date is XXXX. Disbursement date is XXXX. | Reviewer Comment (2025-12-18): Updated the disbursement date
using the PCCD, exception cleared Seller Comment (2025-12-18): Comment from XXXX (XXXX): Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX after the Hazard insurance effective date. Thank you |
12/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000104600 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-31): Client elects to waive with
compensating factors |
12/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000104600 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000104600 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves requirement not met. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000103546 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Based on loan amount, a second full appraisal is required | Reviewer Comment (2025-12-22): Received Appraisal. Exception
cleared. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Appraisal attached. |
12/22/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000104293 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-19): Accepted as is. |
12/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000104293 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Contract is Missing | Reviewer Comment (2025-12-22): Received, Clearing. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Hello, this is For Sale By Owner and the escrow instructions is the only contract. |
12/22/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000104293 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Cash to close requirement is $XXXX + $XXXX in POC fees = $XXXX Gift of Equity $XXXX. Short $XXXX | Reviewer Comment (2025-12-22): Received, Clearing. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2025-12-22): Pleased provide the XXXX invoices. Reviewer Comment (2025-12-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of XXXX is less than XXXX XXXX Seller Comment (2025-12-22): Comment from XXXX (XXXX): Hello, Please PCCD and invoice showing sufficient funds to close |
12/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000104293 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2025-12-19): Accepted as is. |
12/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000104228 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-31): Client elects to waive with
compensating factors |
12/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000104228 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000104228 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105289 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | There is not evidence in the file that the borrower received a copy of the appraisal report at least three (3) business days prior to closing. | Reviewer Comment (2025-12-22): Accepted as is. |
12/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105289 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-22): Accepted as is. |
12/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000105000 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-22): Accepted as is. |
12/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000106064 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-26): Accepted as is. |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000105102 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-26): Client elects to waive |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105102 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-26): Accepted as is. |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106055 | XXXXXX | XXXXXX | 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 (2025-12-26): Client elects to waive |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000246 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-12-23): Accepted as is. |
12/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | N/A | No | ||||||||||||||
| XXXXXX | 4000106059 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Alien documentation not provided. | Reviewer Comment (2025-12-29): Received Permanent Resident Card.
Exception cleared. Seller Comment (2025-12-29): Comment from XXXX (XXXX): GREEN CARD |
12/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106059 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-12-29): Client elects to waive |
12/29/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Lease agreement is missing in file | Reviewer Comment (2026-01-05): Received updated 1003 reflecting
no rental income used on XXXX property Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income for XXXX. Thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement missing | Reviewer Comment (2026-01-05): Received updated 1003. Rental
income from XXXX not being used Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income/ lease agreement for XXXX. Thank you |
01/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank XXXX): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Lease agreement missing | Reviewer Comment (2026-01-05): Received updated 1003. Rental
income from XXXX not being used Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income/ lease agreement for XXXX. Thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): 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.) | Lease agreement is missing | Reviewer Comment (2026-01-05): Received updated 1003. Rental
income from XXXX not being used Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income/ lease agreement for XXXX. Thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | Lease agreement missing | Reviewer Comment (2026-01-05): Received updated 1003. Rental
income from XXXX not being used |
01/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Lease agreement is missing | Reviewer Comment (2026-01-05): Rental income not being used to
qualify Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income/ lease agreement for XXXX. Thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000105151 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-05): Received updated 1003. Rental
from XXXX not being used to qualify Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team , please see attached the updated Final 1003 without the rental income/ lease agreement forXXXX Thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106057 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-27): Accepted as is. |
12/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106057 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-27): Accepted as is. |
12/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106980 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-29): Client elects to waive |
12/29/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106979 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal was made subject to inspection of the garage. The 442 does not indicate the garage was inspected. | Reviewer Comment (2026-01-06): 442 indicates all improvements
have been completed Buyer Comment (2026-01-06): Comment from XXXX (XXXX): Hello Team, the subject to is for original appraisal report. The complete one is for the 1004D. Please help to review. Reviewer Comment (2025-12-30): The appraisal needs to be updated if the appraiser satisfied the condition. The appraisal has conflicting information as some say inspection was completed but others still have it subject to. Seller Comment (2025-12-30): Comment from XXXX (XXXX): Hello, please see attached, thank you |
01/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107763 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-31): Client elects to waive with
compensating factors |
12/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000107763 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing documentation to verify required XXXX months of reserves. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000107763 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing documentation to verify required XXXX months of reserves. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107090 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107090 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing for XXXX XXXX XXXX | Reviewer Comment (2026-01-02): Received Tax Verification.
Exception cleared. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107090 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing for XXXX XXXX XXXX | Reviewer Comment (2026-01-02): Received Property History Report
confirms the Tax amount. Exception cleared. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107090 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000106723 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106723 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107099 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list policy amount. | Reviewer Comment (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107099 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-30): Accepted as is. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107099 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid Appraisal Invoice is missing. | Reviewer Comment (2026-01-02): Received Invoice. Exception
cleared. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Hello, please see attached. |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107099 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid Credit Report Invoice is missing. | Reviewer Comment (2026-01-02): Received Invoice. Exception
cleared. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Hello, please see attached. |
01/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107592 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-31): Accepted as is. |
12/31/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2025-12-31): Accepted as is. |
12/31/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Reviewer Comment (2026-01-06): Received, Clearing. Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team, Please see attached the Post Consummation CD and Final SS showing the cash to close is only $XXXX and borrower has enough fund to close. Thank you |
01/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-12): Client elects to waive with
compensating factors |
01/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing an unexpired VISA that is one of the following types/classes: E1, E2, E3, EB5, G1 through G5, H1B, L1, NATO, O1, R1, TN NAFTA. | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-13): Client exception received. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Hello, please see attached, thank you Reviewer Comment (2026-01-05): Per guidelines, both a Visa and EAD card are required Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello Team, Borrower has the EAD valid untilXXXX. Please review. |
01/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000107405 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Failing due to lack of sufficient reserves | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106977 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | POCB Paid invoice is missing for Credit Report Fee. | Reviewer Comment (2026-01-05): Received, cleared Seller Comment (2026-01-05): Comment from XXXX (XXXX): Hello, please see attached, thank you |
01/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106977 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Guidelines Reserve requirement not meet | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-12): Client elects to waive with
compensating factors |
01/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000106977 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000106977 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107407 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-12): Client elects to waive with
compensating factors |
01/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000107407 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Designation mismatch due to insufficient reserves | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000107407 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is at ATR risk due to insufficient reserves | Reviewer Comment (2026-01-12): Client elects to waive reserves
exception with compensating factors. Loan designated NonQm |
01/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106700 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-12-31): Accepted as is. |
12/31/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000105498 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2026-01-05): Accepted as is. |
01/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX % or Final Disclosure APR of XXXX % is equal to or greater than the threshold of APOR XXXX % + XXXX %, or XXXX %. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-01-13): Received, Clearing. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Hello, please see attached. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXX): 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 business days prior to consummation. | Reviewer Comment (2026-01-13): Received, Clearing. Reviewer Comment (2026-01-13): Received Acknowledgement of Receipt of Appraisal is signed by the borrower onXXXX. Please provide Acknowledgement of Receipt of Appraisal signed by the borrower at closing, dated XXXX. Exception remains. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Hello, please see attached. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing appraisal invoice for $XXXX showing POCB | Reviewer Comment (2026-01-13): Received Invoice for appraisal
fee of $XXXX paid outside of closing. Assets Available for Closing is
sufficient to cover Cash From Borrower. Exception cleared. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Hello, please see attached. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000107103 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing invoice for appraisal fee in the amount of $XXXX paid outside of closing | Reviewer Comment (2026-01-13): Received Invoice for appraisal
fee of $XXXX paid outside of closing. Exception cleared. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Hello, please see attached. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106739 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): 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 (2026-01-06): Accepted as is. |
01/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106702 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-05): Accepted as is. |
01/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000104695 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is a relationship between buyer and another individual on the transaction. Lender exception approved. Compensating factors: FICO XXXX , XXXX months reserves | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-05): Client elects to waive/regrade
with compensating factors. |
01/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000107113 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106709 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107107 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing proof the appraisal | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000107107 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000107473 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107473 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-01-08): Sufficient Reserves available.
Exception cleared. Seller Comment (2026-01-07): Comment from XXXX (XXXX): Bank statements- per 1003 section 2 and Bank statements borrower has more than enough funds for the reserves. |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000105250 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-07): Accepted as is. |
01/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000108436 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. Missing Bank Statements to source funds to close. | Reviewer Comment (2026-01-09): Received POCB Invoices. Assets
Available for Closing is sufficient to cover Cash From Borrower. Exception
cleared. Seller Comment (2026-01-08): Comment from XXXX (XXXX): Please see page 10 and 11 of the previous attached showing the POC for Property tax and EOI Reviewer Comment (2026-01-08): Please provide POC paid invoices for taxes and hazard insurance. Seller Comment (2026-01-08): Comment from XXXX (XXXX): Hello Team, please see attached the Final SS and Post Consummation CD showing the borrower receive the cash back is $XXXX. Thank you |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000108436 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-08): Accepted as is. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000105549 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-09): Clearing based on review coming
back within tolerances. Reviewer Comment (2026-01-08): Buyer ordered review. Nothing to do at this time. Seller Comment (2026-01-08): Comment from XXXX (XXXX): Hello, please see attached, the score is 1 less than 2.5. Thank you |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000105549 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-08): Accepted as is. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000107406 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-01-09): Received, Clearing. Seller Comment (2026-01-08): Comment from XXXX (XXXX): Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | A | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000107406 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-15): Client elects to waive with
compensating factors |
01/15/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | A | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXX): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. And Gift Funds were wired after the consummation date | Reviewer Comment (2026-05-18): Updated gift letter that met ATR
requirements was received to resolve the exception. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-01-13): Updated gift letter received |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank XXXX): 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.) | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. And Gift Funds were wired after the Disbursement date. | Reviewer Comment (2026-05-19): Updated gift letter that met ATR
requirements was received to resolve the exception. Reviewer Comment (2026-05-19): . Reviewer Comment (2026-01-09): Received, Clearing. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence due to Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. And Gift Funds were wired after the consummation date | Reviewer Comment (2026-05-18): Updated gift letter that met ATR
requirements was received to resolve the exception. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-01-13): Updated gift letter received Seller Comment (2026-01-13): Comment from XXXX (XXXX): Revised gift letter Reviewer Comment (2026-01-09): 1026. 43(e)(2)(v)(B) requires the lender to consider and verify the income or assets relied upon in making the determination the consumer had the ability to repay, at or before consummation. Seller Comment (2026-01-09): Comment from XXXX (XXXX): Disbursement date is XXXX, which is after the gift wire date. Borrower is getting $XXXX back, which is more than the required reserves amount |
05/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank XXXX): Unable to verify assets using reasonably reliable third-party records. | Gift Funds for down payment and closing costs were wired after the consummation date. | Reviewer Comment (2026-01-13): Updated gift letter received Reviewer Comment (2026-01-12): In order to meet ATR, the gift letter and/or gift funds would need to be dated prior to the date of consummation. Consummation" is defined under 1026.2(a)(13) as, "...the time that a consumer becomes contractually obligated on a credit transaction." It is the commentary to this section that states, "When a contractual obligation on the consumer's part is created is a matter to be determined under applicable law; Regulation Z does not make this determination. A contractual commitment agreement, for example, that under applicable law binds the consumer to the credit terms would be consummation." Unless the state has a specific definition of "consummation" as it relates to a mortgage transaction, the term is consistently tied to when the legal obligation is entered into by the consumer. This would be evidenced by the date the consumer executes the Note. The standard Fannie Mae/ Freddie Mac documents do not include a place for the consumer to date their signature to evidence the date they executed the document. The Security Instrument is typically executed concurrently with the Note. This document is notarized with the date by the Notary. Therefore, the Notary date is used to evidence the date of consummation. Seller Comment (2026-01-12): Comment from XXXX (XXXX): Disbursement date is XXXX |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. And Gift Funds for down payment and closing costs were wired after the Disbursement date. Verified date of Wire is XXXX and disbursement is XXXX. | Reviewer Comment (2026-01-09): Received, Clearing. |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is ATR risk due to Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Gift Funds for down payment and closing costs were wired after the Disbursement date. Verified date of Wire is XXXX and disbursement is XXXX | Reviewer Comment (2026-05-19): Updated gift letter that met ATR
requirements was received to resolve the exception. Reviewer Comment (2026-05-19): . Reviewer Comment (2026-01-09): Received, Clearing. |
05/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-09): Clearing based on review coming
back within tolerances. |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-01-09): Received, Clearing. Seller Comment (2026-01-09): Comment from XXXX (XXXX): PCCD |
01/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | LOE for Gift Funds with out a down payment was not provided in file and is required per Guideline overlays. | Reviewer Comment (2026-01-13): Gift letter received |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106941 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-01-08): Accepted as is. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106832 | XXXXXX | XXXXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Reviewer Comment (2026-01-08): Accepted as is. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106832 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-08): Accepted as is. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106832 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Reviewer Comment (2026-01-12): XXXX received Letter of
Explanation & Corrected CD Seller Comment (2026-01-09): Comment from XXXX (XXXX): LOX Reviewer Comment (2026-01-09): XXXX received Corrected CD to match Promissory Note. Missing copy of LOE to borrower that accompanied the Corrected CD on XXXX to finalize cure. Seller Comment (2026-01-08): Comment from XXXX (XXXX): loan closed XXXX The final CD was re-issued XXXX adding the sellers payoffs. No changes were made to the borrowers fees or cash to close. The PITI payments are correct |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000106832 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream XXXX that does not match the actual payment for the loan. | Final Closing Disclosure provided onXXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-01-12): XXXX received Letter of
Explanation & Corrected CD |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000305 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Reviewer Comment (2026-01-13): As per PCCD, disbursement date is
XXXX and Flood Insurance Effective Date is same as disbursement date.
Exception cleared. Buyer Comment (2026-01-13): Doc date is XXXX however this is a dry state so loan funded XXXX, policy was in effect as of funding date. This meets guide (as we are silent) and FNMA. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000305 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-09): Accepted as is. |
01/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000305 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-01-09): Accepted as is. |
01/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000319 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-13): Accepted as is. |
01/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000107114 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX | Reviewer Comment (2026-02-04): XXXX received Letter of
Explanation, Proof of Delivery, Refund check for underdisclosed amount,
Corrected CD, and Re-open Rescission. Seller Comment (2026-02-03): Comment from XXXX(XXXX): Recission attached Reviewer Comment (2026-01-30): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2026-01-29): Comment from XXXX (XXXX): cure docs attached Reviewer Comment (2026-01-16): Finance charge on provided Mavent is not consistent with page 5 of the final CD. Title Courier fee is showing as a total of $XXXX as there are two fees listed for $XXXX and $XXXX. Additionally, there is a Title - Sub escrow fee listed on the CD that is also a finance charge. Cure requires PCCD, LOE, Copy of refund check, re-opening of rescission and proof of delivery. Seller Comment (2026-01-15): Comment from XXXX (XXXX): Passing Mavent attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000107114 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX | Reviewer Comment (2026-02-04): XXXX received Letter of
Explanation, Proof of Delivery, Refund check for underdisclosed amount,
Corrected CD, and Re-open Rescission. Seller Comment (2026-02-03): Comment from XXXX (XXXX): Right to Cancel Reviewer Comment (2026-01-30): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2026-01-29): Comment from XXXX (XXXX): cure docs attached Reviewer Comment (2026-01-28): 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. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-01-27): Comment from XXXX (XXXX): We are essentially paying for the increased finance charge, so borrower paid finance charge is staying the same. Is it necessary to re-open recission? Reviewer Comment (2026-01-16): Finance charge on provided Mavent is not consistent with page 5 of the final CD. Title Courier fee is showing as a total of $XXXX as there are two fees listed for $XXXX and $XXXX. Additionally, there is a Title - Sub escrow fee listed on the CD that is also a finance charge. Cure requires PCCD, LOE, Copy of refund check, re-opening of rescission and proof of delivery. Seller Comment (2026-01-15): Comment from XXXX (XXXX): Passing Mavent Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000235 | XXXXXX | XXXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Subject is tenant occupied. Lease agreement is missing. | Reviewer Comment (2026-01-13): Received Lease agreement.
Exception cleared. Buyer Comment (2026-01-13): Lease used to qualify |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000106155 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal is missing. First page of Appraisal in file is missing information. | Reviewer Comment (2026-01-13): Received Appraisal. Exception
cleared. Seller Comment (2026-01-13): Comment from XXXX (XXXX): appraisal |
01/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | RI | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106155 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-01-13): Received Credit Report. Exception
cleared. Seller Comment (2026-01-13): Comment fromXXXX (XXXX): credit reports |
01/13/2026 | 1 | D | A | D | A | D | A | D | A | D | A | RI | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000106155 | XXXXXX | XXXXXX | 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 Municipal Lien Certificate Fee (MLC). Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Municipal Lien Certificate Fee (MLC). Fee Amount of $XXXXexceeds tolerance of $XXXX. | Reviewer Comment (2026-02-04): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-02-03): Comment from XXXX (XXXX): Supporting docs showing MLC Application fee being refunded Reviewer Comment (2026-01-30): XXXX received rebuttal comment but as per CD the fee MLC Application Fee was paid to City Of XXXX and not the title/settlement company. This cannot be tested under no-tolerance category. A valid COC for adding the fee or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-01-29): Comment from XXXX (XXXX): The MLC can stay in Section C. The borrower can shop/did shop and the title fees are good faith tolerance. So the MLC is correct in its current standings. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000106155 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment (2026-01-28): Insurance received Seller Comment (2026-01-28): Comment from XXXX (XXXX): HOI |
01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106155 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | There was a FEMA Disaster declaration dated XXXX. The subject property is located in a FEMA Disaster area. A post disaster inspection report is needed verifying there is no damage to the subject property and the post disaster inspection report must be dated after the disaster declaration end date. | Reviewer Comment (2026-01-13): Received Appraisal. Exception
cleared. Buyer Comment (2026-01-13): Comment from XXXX (XXXX): Appraisal completed XXXX, over 1.5 years after the storm. No damage listed. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106432 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-09): Accepted as is. |
01/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106432 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-09): Accepted as is. |
01/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 2000000311 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-01-13): Received E-Sign Consent
Agreement. Exception cleared. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000311 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXX): 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. | Reviewer Comment (2026-01-13): Accepted as is. |
01/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000268 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-01-20): Received, Clearing. |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000268 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 1003 Initial is missing. | Reviewer Comment (2026-01-13): Accepted as is. |
01/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000268 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-13): Accepted as is. |
01/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000277 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-01-16): Accepted as is. |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000277 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-01-16): Accepted as is. |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109040 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is Missing. | Reviewer Comment (2026-01-20): Received Fraud Report. Exception
cleared. Seller Comment (2026-01-20): Comment from XXXX (XXXX): Fraud Report attached |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108653 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-16): Client elects to waive |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000108653 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-16): Client elects to waive |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000108705 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-16): Client elects to waive |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000108705 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-16): Client elects to waive |
01/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106732 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Borrower 1 checked "yes" on Question F Declarations Section that reads, Are you co-signor or guarantor on any debt or loan that is not disclosed on this application. | Reviewer Comment (2026-02-09): Received 1003 confirms the
Borrower 1 checked "No" on Question F Declarations Section that
reads, Are you co-signor or guarantor on any debt or loan that is not
disclosed on this application?. Exception cleared. Seller Comment (2026-02-09): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-02-05): Received updated 1003 is dated XXXX, however closing date isXXXX. Please provide updated Final 1003 signed by the borrower. Exception remains. Seller Comment (2026-02-05): Comment from XXXX (XXXX): Updated Initialed 1003 Reviewer Comment (2026-01-27): The 1003 needs to be updated to reflect the disclosure of the debt so the answer can be changed due to disclosure. It will also need to be signed by the borrower. Seller Comment (2026-01-26): Comment from XXXX (XXXXe): Borrower Debt LOE attached and we determined that the loans are reporting on credit. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106732 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Asset Depletion used. | Reviewer Comment (2026-01-20): Accepted as is. |
01/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106732 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report increased from $XXXX to $XXXX, a difference of $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-01-16): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000106088 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000108922 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-20): Accepted as is. |
01/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108922 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-20): Accepted as is. |
01/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000106329 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to allow social security income to be used on Asset Depletion loan. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-20): Lender exception approved. |
01/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX | Reviewer Comment (2026-02-24): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD. Please note that cure is sufficient for
Finance charge underdisclosure but 0% fee tolerance on Condo Questionnaire
amount is insufficient Seller Comment (2026-02-23): Comment from XXXX(XXXX.): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | HI | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX | Reviewer Comment (2026-02-24): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD. Please note that cure is sufficient for
Finance charge underdisclosure butXXXX fee tolerance on Condo Questionnaire
amount is insufficient |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | HI | Second Home | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-02-20): E-process summary reflecting
electronic consent timestamp of XXXX received Reviewer Comment (2026-02-12): XXXX received Loan Summary with Loan disclosure History. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with borrower. Seller Comment (2026-02-12): Comment from XXXXs (XXXX): attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXXplus XXXX% or $XXXX. | Reviewer Comment (2026-02-23): XXXX received Corrected PCCD,
Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting
in a cured the exception. Seller Comment (2026-02-23): Comment from XXXX(XXXX.): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-05): XXXX received corrected PCCD and LOE Seller Comment (2026-03-03): Comment from XXXX (XXXX.): Attached Reviewer Comment (2026-02-26): XXXXreceived COC, upon review seems the HOA fees paid to condo association the fees should be disclosed under section H if these are not required by the lender. A corrected PCCD moving the fees to correct section along with the LOE to borrower is required to re-test the fees. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Attached Reviewer Comment (2026-02-12): XXXX acknowledged the rebuttal below. However, an HOA transfer fee of $XXXX was added on the Initial CD dated XXXX and then reduced to $XXXX on the Final CD. In addition, the provided COC dated XXXX does not sufficiently explain why this fee was added to the Initial CD or why it was not known at the time of initial disclosures. Please provide a valid COC supporting this fee; otherwise, a cure will be due to the borrower. Seller Comment (2026-02-12): Comment from XXXX (XXXX): This is invalid. Fees cannot be combined to create a cure. XXXX has combined the HOA transfer fee (XXXX) and the HOA Doc fee (XXXX) and renamed it as the HOA/Condo Questionnaire-there is NO such fee. The HOA transfer fee AND HOA Doc fee are two separate fees, BOTH of which were excluded per the MAVENT. This condition is invalid, please remove this. If XXXX disagrees, a detailed compliance explanation must be provided. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-06): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-05): Comment from XXXX (XXXX): Please note, XXXX label was printed and used twice by mistake. Documents were delivered to borrower, please see attached. Reviewer Comment (2026-03-05): XXXX received PCCD, LOE and copy of refund check. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-03-04): Comment from XXXX (XXXX.): Attached Reviewer Comment (2026-02-26): XXXX received COC for adding the fee due to CU score but as per file the UCDP with higher CU score is dated XXXX while the changes were made on CD dated XXXX which is after 3 business days from the date of change received. Please provide more information to validate the timing or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Attached Reviewer Comment (2026-02-23): XXXX received updated COC for the fee added due to program requirements. Please provide additional information on what new program was received that required to add the additional appraisal review fee and to provide supporting information on when lender become aware of the program changed to add the fee or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-02-23): Comment from XXXX(XXXX.): Attached Reviewer Comment (2026-02-12): XXXX received COC dated XXXX and it does not sufficiently explain why this fee was added to the revised CD or why it was not known at the time of initial disclosures. Please provide a valid COC supporting this fee; otherwise, a cure will be due to the borrower. Seller Comment (2026-02-12): Comment from XXXX (XXXX.): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109240 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-26): Clearing based on review coming
back within tolerances. |
01/26/2026 | 1 | A | A | A | A | A | HI | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXXX | 4000109939 | XXXXXX | XXXXXX | 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 (2026-01-21): Accepted as is. |
01/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109939 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-01-21): Accepted as is. |
01/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106398 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Verification of Employee Fee increased from $XXXX to $XXXX. A valid Changed Circumstance document (D0302) is in file. No cure provided. | Reviewer Comment (2026-02-03): XXXX received COC dated XXXX and
as per third party VVOE. Seller Comment (2026-02-03): Comment from XXXX (XXXX): VOE LOE Reviewer Comment (2026-01-28): XXXX received Changed Circumstance dated XXXX , but it does not give sufficient information on why the Verification of employment fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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. Seller Comment (2026-01-27): Comment from XXXX (XXXX): LE with COC |
02/03/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000293 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | CDs did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-01-27): XXXX received Final SS, Letter of
explanation and Corrected Closing disclosure. Buyer Comment (2026-01-26): PCCD, LOE and Final settlement stmt |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000293 | XXXXXX | XXXXXX | 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. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-01-22): Accepted as is. |
01/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment fromXXXX (XXXX): Please see attached SSR |
01/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | EIN is Missing for Business Entity. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment from XXXX (XXXX): please see attached EIN |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US document are not provided in package. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment from XXXX (XXXX): Verification of Non-US Citizen attached. |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Operating Agreement is missing for Business Entity. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment fromXXXX (XXXX): Please see attached. |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Certificate of Good Standing is missing for Business Entity. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment from XXXX (XXXX): please see attached cert of good standing. |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000105472 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Organization is missing for Business Entity. | Reviewer Comment (2026-01-27): Received, Clearing. Seller Comment (2026-01-26): Comment from XXXX (XXXX): Please see attached Articles of Incorporation |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | D | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000109334 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-01-22): Accepted as is. |
01/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000314 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-01-22): Accepted as is. |
01/22/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000314 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-01-23): Title Supplement provided.
Cleared. |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000109126 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-30): XXXX received valid COC document Seller Comment (2026-01-29): Comment from XXXX (XXXX): NOLC Reviewer Comment (2026-01-28): XXXX received rebuttal, however on LE recording fee disclosed was $XXXX and XXXX threshold would be $XXXX, and fee increased to $XXXX on CD. A valid COC for increase or cure of $XXXX is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-01-27): Comment from XXXX (XXXX): Please provide more details or reference the fee(s) you are referring to. TheXXXX limit is $XXXX which was not exceeded. Also the final mavent does not reflect any fails. |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000105810 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in the file. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Personal Guaranty |
01/30/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000105810 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. | Reviewer Comment (2026-01-23): Accepted as is. |
01/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000105810 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Operating agreement is missing. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-29): Comment from XXXX (XXXX): The borrower is the sole member of the LLC, and there is no operating agreement in place. o LLC Borrowing Certificate (2nd attachment) o EIN confirmation letter showing sole membership (3rd attachment) o Certified Articles of Organization (4th attachment) o Statement of Information (5th attachment) |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000107007 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-27): Cleared based on review coming
back within tolerances |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000107993 | XXXXXX | XXXXXX | 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 (2026-01-26): Accepted as is. |
01/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107993 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-01-28): Received, Clearing. Seller Comment (2026-01-26): Comment from XXXX (XXXX): Attaching prelim |
01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000108410 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000108410 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXor XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | 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 (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Missing evidence the appraisal was provided to the borrower at least 3 business days prior to closing | Reviewer Comment (2026-01-30): Received, Clearing. Buyer Comment (2026-01-30): Comment fromXXXX (XXXX): Hello, the loan closed on XXXX as that is the date the Deed of Trust is notarized. Thank you. Reviewer Comment (2026-01-30): The report date of appraisal is XXXX . Even if updated appraisal dates XXXX is provided the loan closed on XXXX which is not allowing at least 3 business days prior to closing which is required by HPML. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Hello, Please see attached |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the appraisal was provided to the borrower at least 3 business days prior to closing | Reviewer Comment (2026-01-30): Received, Clearing. Buyer Comment (2026-01-30): Comment fromXXXX (XXXX): Hello, the loan closed on XXXXas that is th e date the Deed of Trust is notarized. Thank you. Reviewer Comment (2026-01-30): The report date of appraisal is XXXX. Even if updated appraisal dates XXXX is provided the loan closed on XXXX which is not allowing at least 3 business days prior to closing which is required by HPML. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Hello, Please see attached |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | 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 (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | 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. |
C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000108941 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXXis less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-01-31): Received, Clearing. Seller Comment (2026-01-30): Comment from XXXX (XXXX): Hello, Please see attached Reviewer Comment (2026-01-30): Chase account has $XXXX. $XXXX must be excluded for 30day XXXX. Also $XXXX for POCs needs to be accounted for. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Hello, Please see below Total Available Reserves : Total Asset amount $X - Cash to XXXXo Close on PCCD $XXXX = $XXXX Total Reserves required = XXXX *XXXX = $XXXX Available reserves $XXXX / $X = XXXX months in reserves |
01/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000108634 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000108634 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108634 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-30): Clearing based on review coming
back within tolerances. |
01/30/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXXX | 4000109127 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109127 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000107783 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification Document are Missing. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000107783 | XXXXXX | XXXXXX | 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. | Appraisal Notice smising. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000106803 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Borrower selected "yes" for 'Are you co-signor or guarantor on any debt or loan that is not disclosed on this application. Kindly provide supporting documents or revised 1003 with correct information. | Reviewer Comment (2026-02-13): Received, Clearing. Seller Comment (2026-02-13): Comment from XXXX (XXXX): signed 1003 Reviewer Comment (2026-02-11): Received 1003 is not signed by the borrower. Please provide updated Final 1003 signed by the borrower. Exception remains. Seller Comment (2026-02-11): Comment from XXXX (XXXX): 1003 Reviewer Comment (2026-02-09): Please provided corrected and executed Final 1003. Declarations to reflect 'no' for loans not disclosed on application. Exception remains Buyer Comment (2026-02-09): Comment from XXXX (XXXX): Please clear. XXXX Auto XXXX and XXXX XXXX are both included in the DTI. Reviewer Comment (2026-02-06): Please submit proof the other parties pay the XXXX loans as disclosed on the LOX. Seller Comment (2026-02-06): Comment from XXXX (XXXX): LOX |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000106803 | XXXXXX | XXXXXX | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-03): XXXX (XXXX)received initial
CD. Seller Comment (2026-02-02): Comment from XXXX (XXXX): CD |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000106803 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-02-03): Received, Clearing. Seller Comment (2026-02-02): Comment from XXXX (XXXX): PCCD |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000106803 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-30): Clearing based on review coming
back within tolerances. |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000109097 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-02-10): Received, Clearing. Seller Comment (2026-02-10): Comment from XXXX (XXXX): THE LEGAL DESCRIPTION IS ON PAGE 3 OF THE DOT. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000109097 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing VOR for current residence. | Reviewer Comment (2026-03-03): Received Verification of Rent
(VOR). Exception cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX) VOR Reviewer Comment (2026-03-03): Received Verification of Rent (VOR) however tenant start date is not provided. Exception remains. Seller Comment (2026-03-03): Comment from XXXX (XXXX): vor Reviewer Comment (2026-02-10): Where looking for the VOR for current residence not the subject property. Seller Comment (2026-02-10): Comment from XXXX (XXXX): DOCS |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000109118 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 4000105861 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | B | B | D | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000105861 | XXXXXX | XXXXXX | 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. | 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. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | B | B | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000105861 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on XXXX contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Final Closing Disclosure used for fees provided on XXXX contains estimated values that may not represent final terms or closing costs to the borrower. | Reviewer Comment (2026-01-29): Final Closing disclosure
received Seller Comment (2026-01-29): Comment from XXXX (XXXX): LL XXXX Please see attached final Closing Disclosure which closed on XXXX |
01/29/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | B | B | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review coming
back within tolerances |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Reviewer Comment (2026-02-11): Received, Letter of Explanation,
Proof of Delivery, and Re-open Rescission using the correct model form. Seller Comment (2026-02-11): Comment from XXXX (XXXX): Email from borrowers that they received the corrected RTC form. Reviewer Comment (2026-02-10): It affect the cure we still need Proof of Delivery to the borrower. Seller Comment (2026-02-10): Comment from XXXX (XXXX): Hello, We reached out to XXXX Credit department on how to cure this and followed their guidance. Please advise. Reviewer Comment (2026-02-05): The corrected RTC form needs to be signed Seller Comment (2026-02-05): Comment from XXXX (XXXX): LOE with correct form sent to borrower. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | 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 | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000108781 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing in file. | Reviewer Comment (2026-02-04): Received 1003 Final. Exception
cleared. Seller Comment (2026-02-03): Comment from XXXX (XXXX): 1003 |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-02-02): Google search sufficient per
seller guidelines Seller Comment (2026-02-02): Comment fromXXXX (XXXX): Please see attached |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX | Reviewer Comment (2026-03-19): XXXX received PCCD, LOE, Copy of
Refund Check and Proof of Mailing. Reviewer Comment (2026-03-17): Courier does not have possession of cure package yet. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-03): It appears the difference is related to the Title-Technology Fee of XXXX which the underdisclosure was for XXX.X If lender feels fee should not be a finance charge, XXXX requires a lender attestation giving the specific services/purpose of this fee in order to determine if related to the extension of credit. Buyer Comment (2026-02-02): Comment from XXXX (XXXX): Please advise what fees are ncluded in calculation |
XXXXXX | 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, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000109247 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX | Reviewer Comment (2026-03-19): XXXX received PCCD, LOE, Copy of
Refund Check and Proof of Mailing. Reviewer Comment (2026-03-17): Courier does not have possession of cure package yet. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached |
XXXXXX | 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 | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000110290 | XXXXXX | XXXXXX | 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. | Evidence the Borrower received a copy of the appraisal at least three business days prior to closing is missing. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110290 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000106175 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 has an employment discrepancy. The Initial 1003 and documentation in file indicate XXXX is the primary employment, however the Final 1003 reflects XXXX XXXX. | Reviewer Comment (2025-11-26): Corrected final 1003 received in
trailing documents. Buyer Comment (2025-11-26): Updated re-signed final 1003 attached. Reviewer Comment (2025-11-25): Document received reflects original signature/date from initial review. Please provide signed 1003 from borrower reflecting updated employment information. Buyer Comment (2025-11-24): Updated 1003 attached. |
11/26/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000103908 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Provide the borrowers Closing Statement fully executed by the borrower or stamped true and certified with signature/initials from title representative. Copy provided is an estimated closing statement. | Reviewer Comment (2025-10-24): Received final settlement
statement. Buyer Comment (2025-10-22): final SS |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000103908 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of a full fraud report in file. All red flags to be addressed. | Reviewer Comment (2025-10-24): Fraud report received. Buyer Comment (2025-10-22): fraud summary Buyer Comment (2025-10-22): fraud report |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000103908 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | No evidence of a full fraud report in file. | Reviewer Comment (2025-10-24): Fraud report received. Buyer Comment (2025-10-22): see attached fraud |
10/24/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000106579 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the borrower or stamped true and certified. Copy provided is unsigned. | Reviewer Comment (2025-12-31): Received final losing Statement
with stamped true and certified. Exception Cleared. Buyer Comment (2025-12-29): XXXX -Please see attached |
12/31/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000111881 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review coming
back within tolerances |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000111881 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-30): Comment from XXXX (XXXX ): Resending heloc statement |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000111881 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject Property is located in a declining and rural area. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000111881 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXXX | 4000108730 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108730 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 6000110743 | XXXXXX | XXXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110742 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ ___ |
File is missing insurance and HOA verification for these 2 properties. | Reviewer Comment (2026-02-20): Received, cleared Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): As per final 1003 XXXX, Address: XXXX total expense is $XXXX. However we have only received proof of $XXXX. Require proof of remaining amount of $XXXX. Exception Remains. Seller Comment (2026-02-16): See attached Seller Comment (2026-02-16): Copy of Sales contract and tax cert attached - it is land only so there is no hazard or HOA information |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110739 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000110739 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Social Security Number Verification (SSA-89) not provided | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000110739 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Occupancy Certificate Document is not provided. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110738 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Investor to provide CDA. As Collateral Underwriter Score is XXX. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Rate/Term | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110738 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | OR | Investment | Refinance - Rate/Term | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110737 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the insurance verification. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Mortgage statement shows the payment is escrowed for taxes and insurance |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110737 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the insurance verification. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Mortgage statement shows the payment is escrowed for taxes and insurance |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110737 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110735 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Extended Replacement cost estimator document not provided. | Reviewer Comment (2026-03-05): Received, Clearing. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110735 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110735 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110734 | XXXXXX | XXXXXX | 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. | Verification appraisal delivered to the borrower was not provided in the loan file. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110734 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Per final 1003, the borrower's primary and additional investment properties have 2 mortgages on them which is causing the DTI discrepancy | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110734 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The 1003 indicates there are 2 mortgages on both of the borrower's properties. Both with the same lenders. Please provide a corrected 1003 and the current mortgage statements for both properties reflecting the property address. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110734 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Loan is not salable to Freddie due to DTI. The 1003 indicates there are 2 mortgages on both of the borrower's properties. Both with the same lenders. Please provide a corrected 1003 and the current mortgage statements for both properties reflecting the property address. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110732 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110732 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is missing | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached. Seller Comment (2026-02-16): Please see attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| XXXXXX | 6000110732 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is missing | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached. Seller Comment (2026-02-16): Please see attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||
| XXXXXX | 6000110732 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110731 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for additional property address "XXXX" is not provided. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached Seller Comment (2026-02-16): Please see attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110723 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Require recent last 2 months account statements. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Bank statements show $XXXX and HELOC withdrawal of $XXXX gives enough to close the loan and meet reserves. Retirement funds are outdated but are not needed. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110723 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | No evidence of Fraud Report document present in the file. | Reviewer Comment (2026-02-25): Received, Clearing. Seller Comment (2026-02-25): Received the fraud |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110723 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | No evidence of 1007 Rent Comparison Schedule document present in the file. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Rental income was not used to qualify. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110722 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is not available, as would be required for securitization. | Reviewer Comment (2026-02-11): Received, Clearing. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110722 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-11): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/11/2026 | 1 | A | A | A | A | A | WA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110720 | XXXXXX | XXXXXX | 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. | Evidence the updated appraisal was delivered to the borrower at lease 3 business days prior to closing was not provided. The updated appraisal is dated after closing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110719 | XXXXXX | XXXXXX | 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. | The Borrower did not received the final appraisal report at least three business days prior to closing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110719 | XXXXXX | XXXXXX | 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. | The E-Document reflects the Borrower was sent Appraisal on XXXX. The loan file does not contain an appraisal timing waiver. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110717 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing statement to verify HELOC payment for primary residence. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Amount is verified on credit report. Mortgage statement is not required for HELOC. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110717 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing statement to verify HELOC payment for primary residence. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Amount is verified on credit report. Mortgage statement is not required for HELOC |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110713 | XXXXXX | XXXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110710 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Missing asset documentation for XXXX checking and savings accounts as required by the AUS Approval. | Reviewer Comment (2026-02-20): Updated AUS and Additional Stmt.
provided. Cleared Seller Comment (2026-02-20): Updated AUS findings and bank statements to verify assets were received on XXXX. TheXse documents have been uploaded to the share folder for reference. Seller Comment (2026-02-20): Updated AUS findings and bank statements to verify assets were received on XXXX. These documents have been uploaded to the share folder for reference. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110710 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing asset documentation for XXXX checking and savings accounts as required by the AUS Approval. | Reviewer Comment (2026-02-20): Updated AUS and Additional Stmt.
provided. Cleared Seller Comment (2026-02-20): Updated AUS findings and bank statements to verify assets were received on XXXX. These documents have been uploaded to the share folder for reference. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110710 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | ***NEW EXCEPTION****Please provide CPA Letter confirming that the withdrawal of business funds for this transaction will not have a negative impact on the business. Acct #XXXX | Reviewer Comment (2026-03-09): Business Account excluded from
qualifications. Clearing. Seller Comment (2026-03-09): After further review of this file the underwriter has stated that we are not using any income from the business for qualifying purposes. This should not be needed. Please advise if this is sufficient to clear. |
03/09/2026 | 1 | A | A | A | A | A | WY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110707 | XXXXXX | XXXXXX | 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 evidence that borrower received a copy of appraisal 3 business days to closing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110707 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of XXXX which is after the consummation date of XXXX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110706 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification is not provided for property XXXX. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Please disregard comment at XXXX stating: Pay stub dated XXXX in file to be used as VVOE for B1. VVOE for S/E business is under "Letter" Seller Comment (2026-02-16): Pay stub dated XXXX in file to be used as VVOE for B1. VVOE for S/E business is under "Letter" Seller Comment (2026-02-16): See attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110700 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | The appraisal reflects the subject is owner occupied. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Received updated appraisal report reflecting occupant as "Tenant" in the subject section Reviewer Comment (2026-02-20): The appraisal needs corrected from being listed as owner occupied. Exception remains. Seller Comment (2026-02-20): "attached As per Section 5 of the URLA, the borrower has declared "No" to intending to occupy the property as their primary residence. Additionally, in Section 4, the occupancy of the subject property has been marked as "Investment." This is sufficient to confirm the subject will be an investment property. Reviewer Comment (2026-02-20): The appraisal needs corrected from being listed as owner occupied. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Rate/Term | C | A | A | A | C | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110694 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Secondary valuation is missing. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110694 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | MA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110692 | XXXXXX | XXXXXX | 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 date was entered as provided on the Appraisal Receipt Acknowledgement Form that was signed by the borrower and co-borrower. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110691 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Tax and Insurance verification for primary residence is missing from the loan file. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Received the tax and insurance documents and the expenses have been verified. The primary residence is financed, and per the mortgage statement, taxes and insurance are not escrowed. Based on the tax certificate and HOI policy, the monthly tax expense is XXXX and the insurance premium is $XXXX. This brings the total primary housing expense to $XXXX. The current DTI is XXXX; when including the verified primary housing expense, it increases toXXXX. The variance of XXXX remains within tolerance, so an AUS rerun is not required. Seller Comment (2026-02-27): Received the tax and insurance documents and the expenses have been verified. The primary residence is financed, and per the mortgage statement, taxes and insurance are not escrowed. Based on the tax certificate and HOI policy, the monthly tax expense is $XXXX and the insurance premium is $XXXX. This brings the total primary housing expense to $XXXX. The XXXXrent DTI is XXXX; when including the verified primary housing expense, it increases to XXXX%. The variance of XXXX% remains within tolerance, so an AUS rerun is not required. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110691 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX%. | Reviewer Comment (2026-03-12): Revised AUS provided. Cleared. Seller Comment (2026-03-12): See attached |
03/12/2026 | 1 | A | A | A | A | A | SC | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110690 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing Verbal Verification of Employment for borrower as required by the AUS Approval. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Pay stub datedXXXX in file to be used as VVOE for B1. VVOE for S/E business is under "Letter" |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110690 | XXXXXX | XXXXXX | 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. | Verification appraisal received by the borrower 3 days prior to consummation is not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110689 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is not required. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110689 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | MA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110687 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower is qualified with the bonus and commission income, file received with the latest paystub and previous years w-2. File is missing WVOE document to verify the previous years bonus and commission income. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): AUS allows for the bonus and commission to be captured on the paystub and W2s. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110686 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Award letter is missing for Co-Borrower. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110686 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard insurance is missing for XXXX property. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached Seller Comment (2026-02-16): Lot of land. HOI is not required for land. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110686 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award letter is missing for Co-Borrower. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110685 | XXXXXX | XXXXXX | 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. | Verification appraisal delivered to the borrower was not provided in the loan file. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110685 | XXXXXX | XXXXXX | 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. | Verification appraisal delivered to the borrower was not provided in the loan file. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110683 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110683 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third-party verification for Sole Proprietorship within 120 days prior to note date was not provided. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Online proof of business is provided within 8 days of closing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110683 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110677 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110676 | XXXXXX | XXXXXX | 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. | Missing appraisal receipt within three (3) business days prior to closing is missing from the file. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110676 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Business Purpose certificate is missing from the file. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110668 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-09): Received, Clearing. |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110668 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | |||||||||||
| XXXXXX | 6000110668 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-09): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received -XXXX |
02/09/2026 | 1 | A | A | A | A | A | WI | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110664 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | CU score is more than 2.5 and secondary valuation is missing in file. | Reviewer Comment (2026-02-09): Received, Clearing. |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110664 | XXXXXX | XXXXXX | 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. | Verification the appraisal was received by the borrower not provided in the loan file. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | |||||||||||
| XXXXXX | 6000110664 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-09): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received - XXXX |
02/09/2026 | 1 | A | A | A | A | A | OH | Investment | Purchase | D | B | A | A | B | B | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110663 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110663 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Missing documentation to verify non-US-Citizen status. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110663 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing documentation to verify non-US-Citizen status. Per AUS, verification all non-US Citizens are legally present in the US is required. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110663 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received -XXXX |
02/10/2026 | 1 | A | A | A | A | A | MA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110655 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A secondary valuation report is required for securitization. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110655 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received -XXXX |
02/10/2026 | 1 | A | A | A | A | A | TX | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110651 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Valuation report indicates the occupant as Owner. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Valuation report indicates the occupant as Owner. Valuation report indicates the occupant as Owner. Reviewer Comment (2026-02-23): The valuation needs to be corrected to not list as owner occupied. Seller Comment (2026-02-23): "Final URLA shows occupancy type as Investment only. Also, Declaration section for both borrower checked as ""NO"" for intend to occupy the property as Primary residence |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110651 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not provided. | Reviewer Comment (2026-03-06): Fraud Reports provided.
Cleared. Seller Comment (2026-03-06): See attached Seller Comment (2026-03-06): See attached. Reviewer Comment (2026-02-27): Exception requests must go to the buyer of the loan. Seller Comment (2026-02-27): Downgrade requested with investor - this not an agency item, the lender did provide their scans which should be sufficient in clearing the exception Reviewer Comment (2026-02-23): An exception from the buyer will be needed as fraud reports are required on all loans. Seller Comment (2026-02-23): Fraud Guard not required for the lender "XXXX, XXXX" |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110651 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Refinance - Rate/Term | C | B | C | A | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110649 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-23): Please provide Fraud Report for both borrowers. Exception remains. Seller Comment (2026-02-23): "Final URLA shows occupancy type as Investment only. Also, Declaration section for both borrower checked as ""NO"" for intend to occupy the property as Primary residence Reviewer Comment (2026-02-20): Please provide a Fraud Report. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Fraud Report was not received in documents provided. Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000110649 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Cert attached Reviewer Comment (2026-02-27): Please provided the Occupancy Certificate or an exception from the buyer of the loan allowing it to not be in the loan file. Seller Comment (2026-02-27): The final URLA reflects the occupancy type as 'Investment.' In the Declarations section, both borrowers have indicated 'No' for intending to occupy the subject property as their primary residence. AUS findings also show the occupancy type as 'Investment.' Therefore, an occupancy certificate is not required. Reviewer Comment (2026-02-20): Please provided the Occupancy Certificate. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Occupancy Certificate was not received in documents received. Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000110649 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | File is missing occupancy certificate. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Missing the occupancy certificate. Seller Comment (2026-02-16): see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | C | A | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110648 | XXXXXX | XXXXXX | 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. | Verification appraisal received by the borrower is not provided in the loan file. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | RI | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110646 | XXXXXX | XXXXXX | 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 (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110646 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third-party verification for Partnership was not provided. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Tax Verification. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification, Tax Verification. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): Insurance and Tax document for XXXX XXXX is available. Reviewer Comment (2026-02-20): Nothing received for this property. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Nothing received for this property. Seller Comment (2026-02-16): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | 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. | Missing evidence borrower received a copy of appraisal three (3) business days to closing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Missing evidence borrower received a copy of appraisal three (3) business days to closing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | AUS prior to closing is missing from the file. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): Recent AUS now available Reviewer Comment (2026-02-20): Nothing received that resolves this issue. Seller Comment (2026-02-19): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | AUS prior to closing is missing from the file. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110645 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Due diligence XXXX% DTI is higher due to REO calculations. | Reviewer Comment (2026-02-23): Received, Clearing. Reviewer Comment (2026-02-23): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX. Seller Comment (2026-02-23): As per recent AUS with submission with number XXXX Borrower XXXX primary property XXXX XXXX expenses calculated as $XXXX (Includes PITI as per URLA). We are currently missing with Mortgage statement for the property XXXX XXXX to conform Mortgage is escrowed or not and when we include Tax and Insurance for the property DTI breached the Threshold Limit. Thus Mortgage statement is required to support DTI of XXXX or AUS need to Rerun for updated DTI including tax and insurance for the property XXXX XXXX Reviewer Comment (2026-02-20): Nothing received that resolves this issue. Seller Comment (2026-02-19): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110644 | XXXXXX | XXXXXX | 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. | Verification appraisal delivered to borrower is not provided. Email delivery in the loan file is not dated. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110636 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110635 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report missing | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110634 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110634 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA Verification, Insurance Verification, Statement, Tax Verification Unable to use CBR as verification. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110633 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-11): Received, Clearing. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IA | Investment | Refinance - Rate/Term | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110633 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-11): Received, Clearing. Reviewer Comment (2026-02-11): Valuation Received -XXXXX |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IA | Investment | Refinance - Rate/Term | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110632 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Missing 1007 Rent Comparison Schedule. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): Income from Subject property is not used to qualify. AUS and 1003 Saved in the shared Folder |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | D | A | C | A | C | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110632 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Missing Secondary Valuation - The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IN | Investment | Purchase | D | A | C | A | C | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110632 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Business Purpose Cert is missing. | Reviewer Comment (2026-02-23): Received, Clearing. |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | D | A | C | A | C | A | D | A | N/A | No | |||||||||||
| XXXXXX | 6000110632 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IN | Investment | Purchase | D | A | C | A | C | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110629 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Complete Fraud Report is missing from the file. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): "Fraud Guard available in File Reviewer Comment (2026-02-17): No Fraud Report was provided in the documents received. Seller Comment (2026-02-16): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110627 | XXXXXX | XXXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110627 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The AUS required evidence of payoff of XXXX debt of $XXXX. This was not provided in file. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110626 | XXXXXX | XXXXXX | 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 evidence that borrower received a copy of appraisal 3 business days to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110621 | XXXXXX | XXXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110621 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is missing for the borrower. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): See attached Reviewer Comment (2026-02-17): We need the vvoe for the borrower XXXX. The provided was for the co-borrower. Seller Comment (2026-02-16): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110621 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing verbal verification of employment for borrower. | Reviewer Comment (2026-02-23): Received, Clearing. Seller Comment (2026-02-23): see attached Reviewer Comment (2026-02-17): We need the vvoe for the borrower XXXX. The provided was for the co-borrower. Seller Comment (2026-02-16): see attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110620 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110620 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-03-17): BPC provided. Cleared. Seller Comment (2026-03-16): See attached Reviewer Comment (2026-02-20): No Business Purpose Certificate was received, in the provided. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): No Business Purpose Certificate was received, in the provided. Seller Comment (2026-02-16): see attached |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110620 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110619 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110619 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110619 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket policy indicates the owner must purchase a separate HO-3 structural coverage policy. In addition, the master policy does not cover walls in. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110618 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-11): Received, Clearing. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | ME | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXXX | 6000110618 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-11): Received, Clearing. Reviewer Comment (2026-02-11): Valuation Received - XXXX |
02/11/2026 | 1 | A | A | A | A | A | ME | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110617 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Missing secondary valuation for securitization. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110617 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud certificate is missing from file. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| XXXXXX | 6000110617 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | CA | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000110616 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000110615 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report is missing from file. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Fraud report now attached Reviewer Comment (2026-02-20): Looking for fraud report not property report. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000110729 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-09): Received, Clearing. |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Second Home | Purchase | D | B | A | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXXX | 6000110729 | XXXXXX | XXXXXX | 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 Higher Priced QM (APOR). | Loan designation considered as Safe Harbor QM (APOR) | Reviewer Comment (2026-02-09): Clearing based on rereview of the
compliance report. |
02/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | A | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110729 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | D | B | A | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110729 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-09): Received, Clearing. Reviewer Comment (2026-02-09): Valuation Received - XXXX |
02/09/2026 | 1 | A | A | A | A | A | AZ | Second Home | Purchase | D | B | A | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | As per the AUS PIW Appraisal Waiver. Secondary valuation was not provided. | Reviewer Comment (2026-02-04): Received, Clearing. |
02/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FNMA disaster area, A Post disaster inspection verifying there was no damage to the subject property is required. | Reviewer Comment (2026-03-17): Received, Clearing. Reviewer Comment (2026-02-21): Still required by the buyer of the loan. Seller Comment (2026-02-20): This was over a year after the storm…this would not be needed in any loan scenario... Reviewer Comment (2026-02-20): Require Post disaster inspection verifying there was no damage to the subject property. Exception Remains. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Still required by the buyer of the loan. Seller Comment (2026-02-16): AUS was run on XXXX which is XXXXmonths after the disaster. Post inspection is not required. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing documentation to verify HOA dues for primary residence. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-20): Require HOA statement for property XXXX. Exception Remains. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | 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. | Missing documentation to verify HOA dues for primary residence, causing the loan to waterfall through QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-20): Require HOA statement for property XXXX Exception Remains. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | 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.) | Missing documentation to verify HOA dues for primary residence. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-20): Require HOA statement for property XXXX Exception Remains. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation to verify HOA dues for primary residence. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-20): Require HOA statement for property XXXX. Exception Remains. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing documentation to verify HOA dues for primary residence. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-20): Require HOA statement for property XXXX. Exception Remains. Seller Comment (2026-02-19): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-02-20): Accepted as is. |
02/20/2026 | 2 | B | B | B | B | B | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110726 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - 2 Days | Reviewer Comment (2026-03-17): Received, Clearing. Reviewer Comment (2026-03-16): Valuation Received - XXXX |
03/17/2026 | 1 | A | A | A | A | A | NC | Second Home | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110709 | XXXXXX | XXXXXX | 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 evidence of appraisal delivery receipt provided to the borrower at least three (3) business days prior to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110709 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | No evidence of Acknowledgement of Receipt of Home Mortgage Loan Information Document Acknowledgement of Receipt of Home Mortgage Loan Information Document resent in the file. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110709 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | AUS submission of XXXX is after note date of XXXX. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): AUS was run on XXXX. Initially run on XXXX |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110701 | XXXXXX | XXXXXX | 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 | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110701 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | MD | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000110688 | XXXXXX | XXXXXX | 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 evidence of appraisal being sent to borrower 3 days prior to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110688 | XXXXXX | XXXXXX | 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. | Initial Closing Disclosure dated XXXX not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-02): XXXX received CD dated XXXX Seller Comment (2026-02-27): The initial CD dated XXXX was not physically signed; however, it contains an electronic signature stamp indicating it was signed on XXXX. Additionally, received, audit checklist log and package status certificate reflecting CD has been received on XXXX. Reviewer Comment (2026-02-23): XXXX received rebuttal, however no audit log provided in file which confirms CD was received on XXXX. Please provide the same to re-evaluate the exception. Seller Comment (2026-02-20): " The initial CD dated XXXX was not physically signed; however, it contains an electronic signature stamp indicating it was signed on XXXX. Additionally, we have received the audit checklist log which confirms that the CD was received on XXXX" Reviewer Comment (2026-02-16): XXXX Received Lender compliance report; however, required Disclosure summary or borrower confirmation showing CD received by borrower XXXXdays prior to closing. Seller Comment (2026-02-16): See attached. Seller Comment (2026-02-16): Lender compliance report showing - CD received date as XXXX. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| XXXXXX | 6000110682 | XXXXXX | XXXXXX | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-17): XXXX received initial CD dated
XXXX Seller Comment (2026-02-16): Initial CD issued on XXXX (mail box rule can be applied) signed same date. Closing date was XXXX. Please remove or downgrade exception. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing documentation to verify HOA Dues. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing documentation to verify HOA Dues and Hazard Insurance. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-02-17): We need a full Fraud Report not
just a civil court search. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): The loan amount is $XXXX, while the homeowner's insurance (HOI) policy reflects dwelling coverage of $XXXX for the subject property. Upon reviewing the policy, the 'Loss Evaluation' section-positioned above the 'Property Coverage' section-specifically lists the dwelling coverage as 'XXXX.' Because the policy clearly identifies the dwelling as insured on a replacement cost basis, the dwelling coverage amount of $XXXX can be considered acceptable for meeting replacement cost coverage requirements. Reviewer Comment (2026-02-20): Require replace cost estimator or updated policy with minimum coverage of $XXXX for subject property. Exception Remains. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): The subject property is short for FNMA insurance coverage. Seller Comment (2026-02-16): Attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | 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. | Missing documentation to verify HOA Dues and Insurance for REO properties, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation to verify HOA Dues and Insurance for REO properties. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing documentation to verify HOA Dues and Insurance for REO properties. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110680 | XXXXXX | XXXXXX | 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.) | Missing documentation to verify HOA Dues and Insurance for REO properties. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110675 | XXXXXX | XXXXXX | 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 evidence of appraisal being sent to borrower 3 days prior to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | UT | Second Home | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110675 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was disclosed on initial Loan estimate as $XXXX but disclosed but final Closing Disclosure $XXXX. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | UT | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110675 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Credit report Fee was disclosed on initial Loan estimate as $XXXX but disclosed but final Closing Disclosure $XXXX. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | UT | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110674 | XXXXXX | XXXXXX | 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 (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AR | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110674 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan contains Negative Amortization. | Section was not completed on CD. | Reviewer Comment (2026-02-23): XXXX received XXXX Seller Comment (2026-02-20): As per FNMA guidelines (selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements#XXXX), If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. Hence the subject property can be excluded from the reserve requirement. Seller Comment (2026-02-20): As per FNMA guidelines (selling-guide.fanniemae.com/sel/b3-4.1-01/minimum-reserve-requirements#XXXX ), If the borrower owns other financed properties (determined in accordance with B2-2-03, Multiple Financed Properties for the Same Borrower), additional reserves must be calculated and documented for financed properties other than the subject property and the borrower's principal residence. Hence the subject property can be excluded from the reserve requirement. Reviewer Comment (2026-02-20): Proof of mailing and LOE not located in the trailing documents. Please re-upload for review. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): Please provide LOE sent to borrower and proof of mailing to complete cure. Seller Comment (2026-02-16): Attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110674 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The number of financed properties submitted to DU was 2 however, the actual number of financed properties is 3. DU requires resubmission. Please provide revised AUS findings with the correct number of financed properties. Reserve requirements are subject to revision. | Reviewer Comment (2026-03-13): Updated AUS provided listed
financed properties as 3. Cleared. Seller Comment (2026-03-13): Received updated AUS reflecting number of financed properties as three. Document is submitted for review. Reviewer Comment (2026-02-20): The AUS needs updated. Seller Comment (2026-02-19): see attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Waterfall due to missing Taxes and insurance documents on XXXX property. | Reviewer Comment (2026-03-05): Taxes and HOI verification
provided. Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The signed and dated E-Consent is missing. | Reviewer Comment (2026-03-05): E-Consent Agreement provided.
Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to missing Taxes and insurance documents on XXXX property. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | 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 due to missing Taxes and insurance documents on XXXX property. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Second Home | 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 | |||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing Taxes and insurance documents on XXXX property. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110672 | XXXXXX | XXXXXX | 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 due to missing Taxes and insurance documents on XXXX property. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): see attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110670 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXXX on LE but disclosed as $XXXXon Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-02-20): Sufficient cure provided. Full
cure amount for tolerance violation was provided at or before closing (on
final CD) resulting in a cleared exception. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-16): XXXX Please confirm Cure provided at closing is for Appraisal fee. Seller Comment (2026-02-16): Attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Second Home | 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 | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110670 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | DU/DO or LP/LPA Rating/Result is ineligible for a Second Home or Investment Property on GSE loans. | Rating/Result: ___ | Due to loan limit exceeding max $XXXX | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than or equal to 70%. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-04): Client elected to regrade. Buyer Comment (2026-03-04): Please downgrade to an EV2. Reviewer Comment (2026-02-27): Exception requests need to go to the buyer of the loan. Seller Comment (2026-02-27): As per AUS findings, the XXXX county loan limit is $XXXX Since this loan is closing at year-end and the XXXX county loan limit has increased to $XXXX-which is higher than the loan amount of $XXXX- request to downgrade for non-applicable item. Reviewer Comment (2026-02-21): This exception has nothing to do with coc. Seller Comment (2026-02-20): " LC was changed on XXXX CD with the valid COC dated XXXX Reviewer Comment (2026-02-20): Aus is Accept/Ineligible this doesn't meet AUS approval. Seller Comment (2026-02-19): see attached |
03/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OR | Second Home | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| XXXXXX | 6000110670 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-02-23): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | OR | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| XXXXXX | 6000110667 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The Fraud Report is missing on all Borrowers. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110667 | XXXXXX | XXXXXX | 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. | The Appraisal was not provided to Borrowers at least three business days prior to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | SC | Second Home | Purchase | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110666 | XXXXXX | XXXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110665 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| XXXXXX | 6000110665 | XXXXXX | XXXXXX | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match the Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Attached |
02/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification document is missing. | Reviewer Comment (2026-02-20): Sufficient documentation and
explanation received, cleared Seller Comment (2026-02-20): As per the URLA, the property located at XXXX is free and clear. We also have supporting document ( FraudGuard), confirming that the property has no existing loans and property is held under the XXXX' Therefore, insurance documentation is not required. Seller Comment (2026-02-20): As per the URLA, the property located at XXXX is free and clear. We also have supporting document ( FraudGuard), confirming that the property has no existing loans and property is held under the 'XXXX Therefore, insurance documentation is not required. Seller Comment (2026-02-20): As per the URLA, the property located at XXXX is free and clear. We also have supporting document ( FraudGuard), confirming that the property has no existing loans and property is held under the 'XXXX' Therefore, insurance documentation is not required. Seller Comment (2026-02-20): As per the URLA, the property located at XXXX is free and clear. We also have supporting document ( FraudGuard), confirming that the property has no existing loans and property is held under the 'XXXX.' Therefore, insurance documentation is not required. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Home Improvement | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | 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. | Missing evidence of receipt of Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Cash-out - Home Improvement | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. | Disclosed Escrowed Property Costs over Year 1 of $XXXX do not include the Flood Insurance premium of $XXXX. | Reviewer Comment (2026-03-06): XXXX received PCCD and LOE. Seller Comment (2026-03-05): see attached Reviewer Comment (2026-02-16): XXXX received corrected PCCD but missing LOE to borrower. LOE is required to cure. Seller Comment (2026-02-16): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. | Initial Escrow document mentioned Flood insurance only and CD 4th page Escrow declined. | Reviewer Comment (2026-03-06): XXXX received PCCD and LOE. Seller Comment (2026-03-05): attached Reviewer Comment (2026-02-16): XXXX received corrected PCCD but missing LOE to borrower. LOE is required to cure. Seller Comment (2026-02-16): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final CD states escrow declined. However, Flood Insurance is escrowed due to flood escrow requirements. | Reviewer Comment (2026-03-06): XXXX received PCCD and LOE. Seller Comment (2026-03-05): see attached Reviewer Comment (2026-02-16): XXXX received corrected PCCD but missing LOE to borrower. LOE is required to cure. Seller Comment (2026-02-16): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110661 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final CD states escrow declined. However, Flood Insurance is escrowed due to flood escrow requirements. | Reviewer Comment (2026-03-06): XXXX received PCCD and LOE. Seller Comment (2026-03-05): see attached Reviewer Comment (2026-02-16): XXXX received corrected PCCD but missing LOE to borrower. LOE is required to cure. Seller Comment (2026-02-16): Attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Refinance - Cash-out - Home Improvement | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110658 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100 | Secondary valuation is missing, as would be required for securitization. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | A | A | D | A | D | A | D | A | MO | Second Home | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000110658 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement in not provided for - REO Property XXXX | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Second Home | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000110658 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | A | A | A | A | A | A | A | A | A | A | MO | Second Home | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000110658 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | MO | Second Home | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000110656 | XXXXXX | XXXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | SD | Second Home | Purchase | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing VOE dated within 10 business days of the Note date. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | Missing VOE dated within 10 business days of the Note date. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | 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. | Missing VOE dated within 10 business days of the Note date, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | 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.) | Missing VOE dated within 10 business days of the Note date, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing VOE dated within 10 business days of the Note date, causing the loan to waterfall through the QM Testing. | Reviewer Comment (2026-02-17): Received, Clearing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110652 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE is missing from borrower file | Reviewer Comment (2026-02-17): Received, Clearing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | As per mortgage statement taxes and insurance are escrowed and same is included hence, Escrows verified in 1st P&I amount updated as taxes and insurance screen in REO screen. | Reviewer Comment (2026-03-06): Received, Clearing. Reviewer Comment (2026-02-27): Exceptions must go to the buyer of the loan. AVMs are not physical visits to the property. Seller Comment (2026-02-27): The disaster was declared in XXXX, and the loan closed in XXXX Since the disaster occurred more than seven years prior to the loan closing date, a PDI or updated appraisal is not required and need to go back to investor for downgrade (Disaster declared in XXXX ) Reviewer Comment (2026-02-23): We need a PDI or an appraisal completed afterXXXX. Seller Comment (2026-02-23): The Subject Property County Name shows as XXXX, and the county is not listed under the disaster declaration 2. The Mortgage Statements indicates that the escrow amount is included, therefore, it is not necessary to separately specify Taxes and Insurance in the REO section |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-23): Received, Clearing. |
02/23/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Require recent year tax returns. | Reviewer Comment (2026-03-13): Received, Clearing. Seller Comment (2026-03-13): see attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The hazard insurance coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-13): Received, Clearing. Seller Comment (2026-03-13): see attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower is having self employment income require 1040 tax return in file. | Reviewer Comment (2026-03-13): Received, Clearing. Seller Comment (2026-03-13): see attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment (2026-03-18): Restated by the seller. Reviewer Comment (2026-03-13): The APR of XXXX % is greater than the index of XXXX% plus margin of XXXX %. The loan was submitted as safe harbor QM (apor) however the due diligence loan designation is Higher Priced QM (APOR) Seller Comment (2026-03-13): Per Freddie Mac guidelines (see below), if self employment is secondary and not used in qualifying, no documentation required:https://guide.freddiemac.com/app/guide/section/5304.1 Reviewer Comment (2026-03-13): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). Reviewer Comment (2026-03-13): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: XXXX (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |
03/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | 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. | Borrower is having self employment income require 1040 tax return in file. | Reviewer Comment (2026-03-13): Received, Clearing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Borrower is having self employment income require 1040 tax return in file. | Reviewer Comment (2026-03-13): Received, Clearing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | 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.) | Borrower is having self employment income require 1040 tax return in file. | Reviewer Comment (2026-03-13): Received, Clearing. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Reviewer Comment (2026-03-13): XXXX tax returns received Seller Comment (2026-03-13): Per Freddie Mac guidelines (see below), if self employment is secondary and not used in qualifying, no documentation required:https://guide.freddiemac.com/app/guide/section/5304.1 Reviewer Comment (2026-03-13): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Post Disaster Inspection + XXXX - 2 Days | Reviewer Comment (2026-03-06): Received, Clearing. Reviewer Comment (2026-03-06): Valuation Received - XXXX |
03/06/2026 | 1 | A | A | A | A | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110647 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated by the seller. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | A | B | B | B | A | NC | Second Home | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| XXXXXX | 6000110643 | XXXXXX | XXXXXX | 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 (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Verification of HOA is missing. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): As per the online property search results, the property located at XXXX is identified as a single-family residence (SFR), and no homeowner's association (HOA) is associated with the property. Supporting documentation has been attached for review. Reviewer Comment (2026-02-17): Nothing provided that speaks of HOA for XXXX Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Evidence the Earnest Money of $XXXX was withdrawn from asset account is missing. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Evidence the Earnest Money of $XXXX was withdrawn from asset account is missing. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | 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 business days prior to consummation. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | 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 due to Missing HOA verification of XXXX Property and Earnest Money clearance from Asset Account on Subject Property. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): As per the online property search results, the property located at XXXX is identified as a single-family residence (SFR), and no homeowners association (HOA) is associated with the property. Supporting documentation has been attached for review. Reviewer Comment (2026-02-17): Nothing provided that speaks of HOA for XXXX Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | DE | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to Missing HOA verification of XXXX Property and Earnest Money clearance from Asset Account on Subject Property. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): As per the online property search results, the property located at XXXX is identified as a single-family residence (SFR), and no homeowners association (HOA) is associated with the property. Supporting documentation has been attached for review. Reviewer Comment (2026-02-17): Nothing provided that speaks of HOA for XXXX Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The HOA verification for XXXX property is missing. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): As per the online property search results, the property located at XXXX is identified as a single-family residence (SFR), and no homeowners association (HOA) is associated with the property. Supporting documentation has been attached for review. Reviewer Comment (2026-02-17): Nothing provided that speaks of HOA for XXXX. Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXXX | 6000110642 | XXXXXX | XXXXXX | 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 due to Missing HOA verification of XXXX Property and Earnest Money clearance from Asset Account on Subject Property. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): As per the online property search results, the property located at XXXX is identified as a single-family residence (SFR), and no homeowner's association (HOA) is associated with the property. Supporting documentation has been attached for review. Reviewer Comment (2026-02-17): Nothing provided that speaks of HOA for XXXX Seller Comment (2026-02-16): see attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the Mortgage statement for the Property XXXX | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce decree was not provided and even Child support not provided. | Reviewer Comment (2026-03-13): Received, Clearing. Seller Comment (2026-03-13): see attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100 | Secondary valuation is not provided. | Reviewer Comment (2026-03-04): Received, Clearing. |
03/04/2026 | 1 | D | A | A | A | D | A | D | A | D | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | Reviewer Comment (2026-05-18): Clearing based on the receipt of
the REO income documents. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-02-17): Received, Clearing. |
05/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the Mortgage statement for the Property @XXXX | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | 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.) | File is missing the Mortgage statement for the Property XXXX | Reviewer Comment (2026-02-17): Received, Clearing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | 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: Based on the loan failing one or more guideline components, the loan is at QM risk. | File is missing the Mortgage statement for the Property XXXX | Reviewer Comment (2026-02-17): Received, Clearing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| XXXXXX | 6000110625 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 2 Days | Reviewer Comment (2026-03-04): Received, Clearing. Reviewer Comment (2026-03-04): Valuation Received - XXXX |
03/04/2026 | 1 | A | A | A | A | A | AZ | Second Home | Purchase | D | B | C | A | C | B | D | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| XXXXXX | 6000110744 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110744 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110744 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | PA | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||||
| XXXXXX | 6000110730 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Loan designation cosnidered as Safe Harbor QM (APOR) | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXXX | 6000110730 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification, cpa letter, business entity not provided for borrower's self-employment income. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): See attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110716 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110716 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXXX | 6000110708 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Loan designation considered as Safe Harbor QM (APOR). | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXXX | 6000110703 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000110684 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110684 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110684 | XXXXXX | XXXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Evidence in the file shows the appraisal was provided to the borrower on XXXX. The report date of the appraisal in the file is XXXX. Missing a copy of the appraisal provided to the borrower on XXXX. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): Appraisal was completed on XXXX and signed electronically on XXXX Appraisal was available to send to the borrower on XXXX |
02/17/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110662 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110662 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | The terms of withdrawal for the retirement account is not located in the file. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): This transaction is a cash-out refinance, and per the final CD the borrower is receiving cash back at closing. However, LP is still showing a reserve requirement of $XXXX. In addition to the IRA account, the borrower has disclosed an E*Trade stock account with an ending balance of $XXXX. Even if we exclude the IRA account, the borrower has sufficient funds in the stock account to meet the reserve requirement. Therefore, the terms and conditions related to the IRA account are not needed. Reviewer Comment (2026-02-20): Bank statements will not resolve this exception. Seller Comment (2026-02-19): see attached Reviewer Comment (2026-02-17): The terms of withdrawal for the retirement account are not listed in the statements provided. Seller Comment (2026-02-16): Attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110659 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110657 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110657 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Lender calculated DTI XXXX% which does not match with AUS total DTI of XXXX% although DTI is calculated as per borrowers income & expenses. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): See attached. Reviewer Comment (2026-03-12): Nothing in the comments resolves the issue. Nothing provided as trailing docs. Seller Comment (2026-03-12): Lender calculated DTI XXXX % which does not match with AUS total DTI of XXXX% although DTI is calculated as per borrowers income & expenses. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110653 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-02-23): Fraud Report provided.
Cleared. Seller Comment (2026-02-23): "Different format of fraud report available in file, confirming OFAC details as ""no match"" |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| XXXXXX | 6000110653 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||
| XXXXXX | 6000110653 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110640 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-10): Received, Clearing. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | IL | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110640 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110640 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110640 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not provided. | Reviewer Comment (2026-02-23): We are looking for a Business
Purpose Certificate not a CPA or SOS for the business. Seller Comment (2026-02-23): "CPA letter and SOS document available for all the Business |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110640 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-10): Received, Clearing. Reviewer Comment (2026-02-10): Valuation Received - XXXX |
02/10/2026 | 1 | A | A | A | A | A | IL | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||||
| XXXXXX | 6000110637 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose Certificate is not provided | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-12): See attached Reviewer Comment (2026-03-03): What were the cash out funds use for. Personal or business? Seller Comment (2026-03-03): The following items Form 1003, AUS, Form 1008, Affidavit of occupancy, Appraisal are in the file and notate as non-occupant. Please downgrade this exception. Reviewer Comment (2026-02-27): Were looking for the Business Purpose Certificate. The occupancy cert is what was provided. Seller Comment (2026-02-27): see attached Reviewer Comment (2026-02-23): Were looking for the Business Purpose Certificate not income or business related documents. Seller Comment (2026-02-23): "Business income is in Negative (XXXX). Since the business income is negative no Verification of Business required" Reviewer Comment (2026-02-17): No Business Purpose Certificate was received, in the provided. Seller Comment (2026-02-16): see attached |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110637 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Most recent 2 years signed and dated 4506-C is not provided | Reviewer Comment (2026-02-17): Received, Clearing. Seller Comment (2026-02-16): see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 6000110637 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Loan designation captured per deal guidance. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXXX | 6000110631 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation missing from the file. | Reviewer Comment (2026-02-11): Received, Clearing. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NV | Investment | Refinance - Cash-out - Other | D | B | B | B | A | A | D | A | N/A | N/A | No | |||||||||||
| XXXXXX | 6000110631 | XXXXXX | XXXXXX | 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 preliminary title report in 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 (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | D | B | B | B | A | A | D | A | N/A | N/A | No | ||||||||||
| XXXXXX | 6000110631 | XXXXXX | XXXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXX / Collateral Desktop Analysis (CDA) - With MLS Sheets - 5 Days | Reviewer Comment (2026-02-11): Received, Clearing. Reviewer Comment (2026-02-11): Valuation Received - XXXX |
02/11/2026 | 1 | A | A | A | A | A | NV | Investment | Refinance - Cash-out - Other | D | B | B | B | A | A | D | A | N/A | N/A | No | ||||||||||||||||
| XXXXXX | 6000110628 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | |||||||||||
| XXXXXX | 2000000304 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000304 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000304 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-01-31): Received, Clearing. |
01/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000105486 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109446 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review coming
back within tolerances |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000109446 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000110357 | XXXXXX | XXXXXX | 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 (2026-02-02): Client elects to waive |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000108712 | XXXXXX | XXXXXX | 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. | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | 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. |
C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000108712 | XXXXXX | XXXXXX | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - | Housing history shows one or more late housing payments. | Reviewer Comment (2026-02-12): Received, Clearing. Seller Comment (2026-02-12): Comment from XXXX (XXXX.): please see credit supplement to show this is a timeshare account not mortgage |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000108712 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | $XXXX collections balance that was not paid prior to closing. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-12): Client exception received. Seller Comment (2026-02-12): Comment from XXXX (XXXX): exception approval from XXXX |
02/12/2026 | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXXX | 2000000299 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 2000000299 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of the Insurance Verification (XXXX). | Reviewer Comment (2026-02-02): Property is vacant land Buyer Comment (2026-02-02): The property is vacant land - see attach property profile. No insurance is needed. |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 2000000299 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower owns XXXX% of business. Guidelines indicates min XXXX%. Borrower owns business with wife, who is also on title (XXXX%) Remaining XXXX% is owned by son. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Lender exception approved |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000112336 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000112336 | XXXXXX | XXXXXX | 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 Verification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000112336 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has been renting for the last 6 months; prior to rental, borrower lived with husband in marital home, she was on title; not on mortgage. Marital settlement Agreement provided details our borrower was getting XXXX% of the value of this house for buyout of equity interest at which time she executed QCD. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-03): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000109824 | XXXXXX | XXXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-02-09): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-02-06): Comment from XXXX (XXXX / XXXX): pccd, lox, check ups Reviewer Comment (2026-02-06): XXXX received PCCD and copy of refund check. Missing proof of mailing & LOE. Please provide proof of mailing and LOE to cure the exception. Seller Comment (2026-02-05): Comment from XXXX (XXXX / XXXX): PLEASE FIND ATTACHED PCCD AND CHECK TO BORROWER |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000110333 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110333 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-05): Received, Clearing. Seller Comment (2026-02-04): Comment from XXXX (XXXX): Hello, please see attached. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110333 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-05): Received, Clearing. Reviewer Comment (2026-02-05): Required Acknowledgment of Receipt of Appraisal Report within XXXX Day's prior to the closing date. Exception remains. Seller Comment (2026-02-04): Comment from XXXX (XXXX): Hello, please see attached. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110333 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-04): Accepted as is. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000109772 | XXXXXX | XXXXXX | 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 Disclosure and Final Closing Disclosure reflects $XXXXfor Escrow amount. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | 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 | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000109772 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXXXmay be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXXXmay be required. | Reviewer Comment (2026-02-10): XXXX received initial LE dated
XXXX Seller Comment (2026-02-09): Comment from XXXX (XXXX): Please see attached |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | 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 Recognition Agreements. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Recognition Agreements. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-10): XXXX received updated LEs and
valid changed circumstance. |
02/10/2026 | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | 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 Abstract / Title Search. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-02-10): XXXX received updated LEs and
valid changed circumstance. |
02/10/2026 | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is Missing | Reviewer Comment (2026-02-17): Clearing. Buyer Comment (2026-02-17): Comment from XXXX (XXXX): Legal description is not provided for property type-Co-op |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000112967 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-10): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||||
| XXXXXX | 2000000367 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-02-05): Received Title Evidence.
Exception cleared. Buyer Comment (2026-02-04): title |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000110812 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary Title policy does not list coverage amount. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000110812 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception conditionally approved for Use of Privat VOM on borrower's primary due to the loan in XXXs name. Need private VOM from XXX and XXXX months cancelled checks from the borrower to validate VOM provided. Comp Factors XXXX , borrower's down payment is over XXXX%. FICO XXXX, XXXXmonths reserves. * Bank statements received reflecting payments, still need the private VOM from the XXX. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-27): Client exception received. Seller Comment (2026-02-27): Comment from Post Closing (XXXX): Per XXXX to clear with the attached please contact them for verification thank you Reviewer Comment (2026-02-23): Please submit online via XXXX online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2026-02-23): Comment from Post Closing (XXXX): Please see attached and below from UW Manager Please push back on them to reach out to the XXXX credit people. XXXX told us we were fine with what we had, so we won't be getting further documentation. It was XXXX who accepted this, not us. Please ask them to escalate to XXXX team. Reviewer Comment (2026-02-18): Credit supplement does not reflect borrower made XXXX months payments to XXXX, which is the stipulation of the exception approval. Buyer Comment (2026-02-18): Comment from Post Closing (XXXX): There is a credit supplement in the file which is what we are using as the VOM as well as the bank statements. Its under the credit supplement bucket. It was what was submitted to XXXX for them to approve the exception and the exception shows they have already reviewed the VOM and didn't require anything other than the bank statements so what we provided is sufficient. Thank you. Reviewer Comment (2026-02-18): The exception was conditionally approved. Still need the private VOM from the mother. Seller Comment (2026-02-18): Comment from Post Closing (XXXX): Per UW an exception was granted for the VOM see attached docs |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000109096 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require 12 or more consecutive months bank statements. | Retrieving data. Wait a few seconds and try to cut or copy again. | Reviewer Comment (2026-02-11): Designation updated to NonQM |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | DC | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109096 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DC | 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 | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000111196 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for REO XXXX | Reviewer Comment (2026-02-10): Received Insurance Verification.
Exception cleared. Seller Comment (2026-02-10): Comment from XXXX (XXXX): Property is free and clear - no HOI - no HOA |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000111196 | XXXXXX | XXXXXX | 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. | ECOA Appraisal Date Provided Before Completion | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000111196 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-06): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000111196 | XXXXXX | XXXXXX | 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 $XXXXis less than the note amount of $XXXXbased on the Preliminary in file. | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000111671 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased from $XXXXto $XXXX, an increase of $XXXXover legal limit, without a valid Changed Circumstance document. No cure provided. | Reviewer Comment (2026-03-17): XXXX Received Corrected PCCD,
LOE, Refund Check and Proof of Mailing. Seller Comment (2026-03-16): Comment from XXXX (XXXX): XXXX XXXX Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000112360 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Appraisal Provided Before Completion | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000112360 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Due to exclusion of 30-Day Open XXXX account balance. | Reviewer Comment (2026-03-04): Lender Exception approved in XXXX
for short reserves (by less than XXXX month). No additional exceptions and loan subject to final review. Comp factors: Credit score >XXXX, Residual >$XXXX k Seller Comment (2026-03-04): Comment from XXXX (XXXX): Exception attached Reviewer Comment (2026-02-23): Post closing assets cannot count towards assets to close per ability to repay. Exception remains. Seller Comment (2026-02-23): Comment from XXXX (XXXX): loe and plaid Reviewer Comment (2026-02-18): Verified assets are $XXXX (XXXX $XXXX, XXXX $XXXX, XXXX $XXXX and EMD $XXXX) - XXXX balance of $XXXX from credit supplement. Qualifying balance $XXXX. Funds required to close $XXXX + EMD $XXXX = XXXX. Remaining for reserves is $XXXX. Required for reserves are XXXX months subject PITI $XXXX x XXXX = $XXXX plus XXXX months for financed properties $XXXX. Total $XXXX Seller Comment (2026-02-18): Comment from XXXX (XXXX): assets |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000112360 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to exclusion of 30-Day Open XXXX account balance. | Reviewer Comment (2026-03-05): Lender Exception provided.
Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): exception |
03/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000112360 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to exclusion of 30-Day Open XXXX account balance. | Reviewer Comment (2026-03-05): Lender Exception provided.
Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): exception |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109060 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-10): Clearing based on review coming
back within tolerances. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000109060 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The top of the pages of the 1004 appraisal are cut off. | Reviewer Comment (2026-02-09): Legible Appraisal provided.
Cleared. Seller Comment (2026-02-09): Comment from XXXX (XXXX): Uploaded the appraisal document |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115044 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at $XXXX. | Reviewer Comment (2026-02-18): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): RCE |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000115044 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided | Missing Articles of Incorporation for XXXX | Reviewer Comment (2026-02-18): Received Articles of
Organization. Exception cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): Articles of Organization |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000115044 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing for XXXX | Reviewer Comment (2026-02-18): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): Cert of good standing |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000115044 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing EIN for XXXX | Reviewer Comment (2026-02-18): Received EIN. Exception
cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): ein |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000110321 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of XXXX%. | Reviewer Comment (2026-03-16): Updated Rate Lock provided.
Flipped to XXXX. Cleared. Buyer Comment (2026-03-16): Comment from XXXX (XXXX.): Please provide the updated lock reflected XXXX program; please review the attached file. This should be cleared; I've provided the lock Reviewer Comment (2026-03-13): The loan was locked to agency conforming product in mTrade. Please provide the updated lock reflected Expanded Prime program. Seller Comment (2026-03-13): Comment from XXXX (XXXX.): The loan was locked under the Best Efforts XXXX and underwritten to those guidelines. We uploaded guidelines with an effective date of XXXX but the XXXX guidelines version 8.7 effective XXXX has the program guidelines included. With that said, we would not need an exception the loan closed on XXXX and was locked under the expanded plus guidelines on XXXX Reviewer Comment (2026-02-25): Guidelines provided are dated XXXX. This loan closed XXXX These guidelines wouldn't have been available for this note date. An exception would be needed. Seller Comment (2026-02-25): Comment from XXXX (XXXX.): XXXX is looking at this under the wrong guideline. We underwrote to Expanded Prime Plus, which does allow us to go up to XXXX LTV Reviewer Comment (2026-02-17): As per Rate lock Loan Program is XXXX Conforming hence used the same matrix. Exception remains. Seller Comment (2026-02-17): Comment from XXXX (XXXX.): • It appears the loan was underwritten and approve under XXXX Expanded Prime Plus guidelines. XXXX please confirm you are looking at the correct guidelines; LTV is accurate |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000110321 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of XXXX%. | Reviewer Comment (2026-03-16): Updated Rate Lock provided.
Flipped to XXXX. Cleared. Reviewer Comment (2026-02-25): Guidelines provided are dated XXXX. This loan closed XXXX. These guidelines wouldn't have been available for this note date. An exception would be needed. Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX is looking at this under the wrong guideline. We underwrote to Expanded Prime Plus, which does allow us to go up to XXXX LTV Reviewer Comment (2026-02-17): As per Rate lock Loan Program is XXXX Conforming hence used the same matrix. Exception remains. Seller Comment (2026-02-17): Comment from XXXX (XXXX): misc doc |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000110321 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan was locked as Agency conforming NOO, AUS reflects Approve/Ineligible for LTV,CLTV exceeding guidelines and final 1008 list manual Underwrite. | Reviewer Comment (2026-03-16): Updated Rate Lock provided.
Flipped to XXXX. Cleared. |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000110651 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by XXXXProvide updated policy reflecting minimum coverage of $XXXXOR to provide a copy of the insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-11): Received, Clearing. Seller Comment (2026-02-11): Comment from XXXX (XXXX): HOI - RCE |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000111057 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-02-20): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-02-18): Comment from XXXX (XXXX): PCCD, LOX, Check and label |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-10): Accepted as is. |
02/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-10): Accepted as is. |
02/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-02-20): Invoice received for the property
taxes paid outside of closing as disclosed on the PCCD Seller Comment (2026-02-20): Comment from XXXX (XXXX): Hello, Please see attached Reviewer Comment (2026-02-19): Please provide evidence property taxes were paid outside of closing. Reviewer Comment (2026-02-19): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX Seller Comment (2026-02-18): Comment from XXXX (XXXX): Hello, per the PCCD that we uploaded on XXXX, the Borrower was only required to bring in $XXXX for the transaction and they have demonstrated a total of $XXXX Please kindly clear this condition for us as we have demonstrated sufficient funds. Thank you. Reviewer Comment (2026-02-17): Received POCB Invoices. Assets Available for Closing $XXXXis insufficient to cover Cash From Borrower $XXXX. There is shortfall of $XXXX. Please provide additional assets. Exception remains. Seller Comment (2026-02-17): Comment from XXXX (XXXX): Hello, Please see attached Reviewer Comment (2026-02-14): Please provide the POC paid invoices. Reviewer Comment (2026-02-14): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-02-13): Comment from XXXX (XXXX): Hello, Please see attached |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | 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 the borrower within 3 business days of consummation. | Reviewer Comment (2026-02-10): Accepted as is. |
02/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Non- Compliant higher priced mortgage loan. | Reviewer Comment (2026-02-14): Received, Clearing. Seller Comment (2026-02-13): Comment from XXXX (XXXX): Hello, Please see attached |
02/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the borrower within 3 business days of consummation. | Reviewer Comment (2026-02-14): Received, Clearing. Seller Comment (2026-02-13): Comment from XXXX (XXXX: Hello, Please see attached |
02/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | *New exception generated after entering the POC tax amount on the asset screen | Reviewer Comment (2026-03-02): Clearing after re-review. Reviewer Comment (2026-02-27): Payments were made post closing which is the ATR issue. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Hello, please see the attached Gift Letter as the Property Tax payment was made by the spouse. Thank you. |
03/02/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Taxes were paid post closing which does not meet ATR | Reviewer Comment (2026-03-02): Clearing after re-review. Reviewer Comment (2026-02-27): Payments were made post closing which is the ATR issue. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Hello, please see the attached Gift Letter as the Property Tax payment was made by the spouse. Thank you. |
03/02/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Taxes were paid post closing which does not meet ATR | Reviewer Comment (2026-03-02): Clearing after re-review. |
03/02/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| XXXXXX | 4000110685 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please see the updated 1008 and 1003. We added in the Gift Funds amount of $XXXXon the 1003 as well as those funds were gifted by the spouse in order to pay for the Property Taxes. Thank you. |
03/02/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXXX | 4000106990 | XXXXXX | XXXXXX | 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 $XXXXis less than the note amount of $XXXXbased on the Commitment in file. | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000105552 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-10): Accepted as is. |
02/10/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000115163 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document is Missing. | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110040 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110040 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard Insurance effective dated XXXX. The Disbursement date isXXXX. | Reviewer Comment (2026-02-12): As per PCCD, disbursement date is
XXXX. Hazard Insurance Policy Effective date is prior to the Disbursement
Date. Exception cleared. Seller Comment (2026-02-12): Comment from XXXX (XXXX): Hello, Please see attached |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110040 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110316 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110316 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110340 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110453 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The application was provided and not the declaration page. | Reviewer Comment (2026-02-18): Actual Insurance Policy
associated. Exception cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): HOI Reviewer Comment (2026-02-16): The hazard insurance policy was not in the loan file, only the application for insurance was provided. Provide the actual homeowner's insurance policy. Seller Comment (2026-02-16): Comment from XXXX (XXXX): Final 1003 contains declarations |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000110034 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110034 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110034 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-12): Clearing based on review coming
back within tolerances. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate is missing for REO Property "XXXX | Reviewer Comment (2026-02-17): Tax payments included in HOA.
Exception cleared. Seller Comment (2026-02-17): Comment from XXXX (XXXX): XXXX was a Coop. Co-op wont have taxes in the borrowers name, its included within the HOA payment |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113067 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | XXXX Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. | XXXX: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. | Reviewer Comment (2026-02-12): Accepted as is. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116128 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-02-12): Received Guarantor Agreement.
Exception cleared. Seller Comment (2026-02-12): Comment from XXXX (XXXX, ): Please see uploaded guaranty. |
02/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000339 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-02-12): Received, Clearing. Buyer Comment (2026-02-12): Title |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000339 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Title Preliminary is missing | Reviewer Comment (2026-02-12): Received, Clearing. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000107154 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-13): Accepted as is. |
02/13/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000107154 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXXcompared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure datedXXXX | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXXcompared to the calculated Amount Financed of $XXXXand the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX | Reviewer Comment (2026-02-18): Finance charge and amount
financed disclosed correctly |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000107154 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXXis under disclosed by $XXXX compared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXXis under disclosed by $XXXXcompared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure datedXXXX). (Final/XXXX) | Reviewer Comment (2026-02-18): Finance charge and amount
financed disclosed correctly |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000107154 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. (0) | Reviewer Comment (2026-02-16): XXXX received LOE suffice Seller Comment (2026-02-13): Comment from XXXX (XXXX): LOX |
02/16/2026 | 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 | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000107154 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Reviewer Comment (2026-02-16): XXXX received LOE suffice Seller Comment (2026-02-13): Comment from XXXX (XXXX): LOX |
02/16/2026 | 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 | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000109154 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing business entity. | Reviewer Comment (2025-12-09): OFAC for the borrowing business
entity received. Exception Cleared. Buyer Comment (2025-12-05): Clear OFAC attached. Thank you. |
12/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000109218 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-01-07): Received Title Final with the
policy coverage amount. Exception Cleared. |
01/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000109218 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-01-07): Received Title Final with the
policy coverage amount. Exception Cleared. Buyer Comment (2026-01-05): XXXX-Please see attached |
01/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000109151 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-01-09): Received Title Final in the file.
Exception Cleared. |
01/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000109151 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount is blank | Reviewer Comment (2026-01-09): Received Title Final in the file.
Exception Cleared. Buyer Comment (2026-01-07): XXXX-Please see attached |
01/09/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000109151 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated provided | Reviewer Comment (2026-01-08): Received Final Closing Statement
in the file. Exception Cleared. Buyer Comment (2026-01-06): XXXX-Please see attached |
01/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing | Reviewer Comment (2025-10-30): Received Buyer Comment (2025-10-28): credit report |
10/30/2025 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File contains transferred appraisal report on a business purpose loan and appraisal invoice was not provided as required by guidelines. | Reviewer Comment (2025-10-30): Received appraisal invoice. Buyer Comment (2025-10-28): appraisal invoice |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing 12 month pay history for subject property. | Reviewer Comment (2025-11-06): New construction per appraisal
and fraud reflects transferred to our borrower XXXX. File also contains payoff for subject
property reflectingXXXX history. Reviewer Comment (2025-11-04): Unable to verify with appraisal or fraud report when property was originally purchased. Buyer Comment (2025-10-31): subject property is new construction purchased XXXX per fraud report and appraisal Reviewer Comment (2025-10-30): VOM provided reflects origination date of XXXX, which is only 4 months prior to subject loan. Please provide complete XXXX month VOM for subject property, to include XXXX through XXXX Buyer Comment (2025-10-28): VOM |
11/06/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing 12 month history for borrower's primary residence. If borrower is living rent free, an LOE from the homeowner, along with the UW discretion used in approving the loan, will be required for review. | Reviewer Comment (2025-10-30): Rent free letter from homeowner
and updated 1008 with UW discretion received in trailing documents. Buyer Comment (2025-10-28): UW discretion Buyer Comment (2025-10-28): rent free loe |
10/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-01-15): Waived per investor overlay. |
01/15/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-01-15): Waived per investor overlay. |
01/15/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Reviewer Comment (2026-01-15): Waived per investor overlay. |
01/15/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 4000103910 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of the greater of XXXX% of the Original Loan Amount and $XXXX(XXXX). FNMA Finance Charge total $XXXXon a Original Loan Amount of $XXXXvs. an allowable total of $XXXXand $XXXX(XXXX) (an overage of $XXXXor XXXX%). | Reviewer Comment (2025-12-17): Information updated. |
12/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | A | A | Exempt from ATR | N/A | No | ||||||||||
| XXXXXX | 4000106604 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide evidence that the CPA is duly licensed or certified. | Reviewer Comment (2026-01-08): Enrolled agent verified. Reviewer Comment (2026-01-07): Provided verification is online search. Require evidence that the CPA is duly licensed or certified. Exception remains Buyer Comment (2026-01-05): cpa verification |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000106604 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance or cure. | Reviewer Comment (2025-12-30): 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 (2025-12-29): recording fee has decreased from $XXXXto $XXXXin final CD, please advise which all fees you are including in recording fee to get a figure of $XXXX |
12/30/2025 | 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 | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000106604 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for the rent free living situation. | Reviewer Comment (2026-01-07): Received 1008 reflects
Underwriter discretion for borrower living rent free. Verified and updated
details. Exception Cleared. Buyer Comment (2026-01-05): uw discretion |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000106604 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2025-12-30): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXXX | 4000106604 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-16): Client elects to waive. |
01/16/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 4000110145 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-13): Accepted as is. |
02/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000111248 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-17): XXXX received PCCD, LOE, proof of
mailing & copy of refund check. Seller Comment (2026-03-13): Comment from XXXX (XXXX): signed loe from the borrwer Reviewer Comment (2026-03-09): XXXX has received the cancelled check; however, we are unable to confirm whether the borrower received the refund. Kindly provide confirmation on whether the borrower received the refund check in order to clear the exception. Buyer Comment (2026-03-06): Comment from XXXX (XXXX): What is it that you are needing as proof. The check was sent to borrower via regular mail so the only proof we have that the borrower received it is a copy of the canceled check after the Borrower cashed/deposited it. Reviewer Comment (2026-03-05): XXXX received copy of cancelled/depost check.However,borrower signature is misisng from the same. Kindly provide evidence that the borrower received copy of refund check in order to cure the exception. Seller Comment (2026-03-04): Comment from XXXX (XXXX): see attached copy of canceled/deposited check Reviewer Comment (2026-02-24): XXXX received Post CD,LOX and Copy of refund check. However, we would also require proof of mailing in order to cure the exception. Seller Comment (2026-02-23): Comment from XXXX (XXXX): We owe a cure/refund of $XXXXas a $XXXXcure was applied to the XXXXCD when the transfer tax increased. Initially disclosed $XXXX(baseline) XXXXCD disclosed $XXXXin transfer taxes and gave a $XXXXcure XXXX CD disclosed a total of $XXXXin transfer taxes and should have been issues a cure of $XXXX If you take the $XXXX-$XXXX= $XXXX-$XXXXcure already given = new cure/refund of $XXXX |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-17): Clearing based on review coming
back within tolerances. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided | Reviewer Comment (2026-03-02): Received Note Addendum - Interest Only. Exception
cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): IO ADDENDUM Reviewer Comment (2026-02-24): We need a copy for our review. The warehouse review and our TPR review are separate. Seller Comment (2026-02-24): Comment from XXXX (XXXX): tracking for interest only addendum attached. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | 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. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | 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 (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the Principal and Interest Payment can change. | Loan Terms: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the Principal and Interest Payment can change. | Reviewer Comment (2026-02-19): XXXXreceived PCCD and LOE. Seller Comment (2026-02-18): Comment from XXXX (XXXX): PCCD WITH LOE Reviewer Comment (2026-02-18): XXXX received unexecuted XXXX Loan file reflects another XXXX CD that was wet signed & executed at closing and is testing as the final CD as was signed on consummation date of XXXX. Provided XXXX CD which is unexecuted will be tested as an interim CD and not a final CD or a post close CD, as the issue date is prior to or on the consummation date. If CD was mean to cure the violation, a PCCD with a post closing issue date and an LOE to borrower explaining the violation and cure. Preliminarily it appears the information would clear with proper disclosure dates & LOE. Seller Comment (2026-02-17): Comment from XXXX (XXXX): FINAL CD |
XXXXXX | 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, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Feature Test | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXXdid not disclose a Product Feature for a loan that contains a product feature. | Final Closing Disclosure provided on XXXX did not disclose a Product Feature for a loan that contains a product feature. | Reviewer Comment (2026-02-19): XXXXreceived PCCD and LOE. Seller Comment (2026-02-18): Comment from XXXX (XXXX): PCCD WITH LOE Reviewer Comment (2026-02-18): XXXXreceived unexecuted XXXX CD. Loan file reflects anotherXXXX CD that was wet signed & executed at closing and is testing as the final CD as was signed on consummation date of XXXX Provided XXXX CD which is unexecuted will be tested as an interim CD and not a final CD or a post close CD, as the issue date is prior to or on the consummation date. If CD was mean to cure the violation, a PCCD with a post closing issue date and an LOE to borrower explaining the violation and cure. Preliminarily it appears the information would clear with proper disclosure dates & LOE. Seller Comment (2026-02-17): Comment from XXXX (XXXX): FINAL CD |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Final Closing Disclosure provided on XXXX disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Reviewer Comment (2026-02-19): XXXXreceived PCCD and LOE. Seller Comment (2026-02-18): Comment from XXXX (XXXX): PCCD WITH LOE Reviewer Comment (2026-02-18): XXXX received unexecuted XXXX CD. Loan file reflects another XXXX CD that was wet signed & executed at closing and is testing as the final CD as was signed on consummation date of XXXX Provided XXXX CD which is unexecuted will be tested as an interim CD and not a final CD or a post close CD, as the issue date is prior to or on the consummation date. If CD was mean to cure the violation, a PCCD with a post closing issue date and an LOE to borrower explaining the violation and cure. Preliminarily it appears the information would clear with proper disclosure dates & LOE. Seller Comment (2026-02-17): Comment from XXXX (XXXX): FINAL CD |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114185 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | XXXX Originated Loan submitted as Non Exempt | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | XXXX Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | XXXX Subprime Default Rate missing | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | XXXX Subprime Home Loan Threshold Fixed Non-Compliant. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000115272 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The CPA did not prepare the borrower's or co borrower's P&L statement and did not file the most recent tax returns. | Reviewer Comment (2026-02-17): Received self employment letter
completed by tax preparer Seller Comment (2026-02-17): Comment from XXXX (XXXX): Please see attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000115388 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000115388 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-03-04): XXXX received Post CD and LOX. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-18): XXXX received rebuttal, however If fee was not required, it should be listed in section H instead of section C. Corrected CD and LOE required to remediate. Buyer Comment (2026-02-17): Comment from XXXX (XXXX): Fee was listed in section C, and only appeared on final CD. Payee and Fee was not listed on SSPl. not subject to fee tolerance. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000115388 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on XXXX contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Sellers CD contains a water holdback fee. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Settlement agent confirmation that $XXXX XXXXis seller side only Reviewer Comment (2026-03-19): Yes, that will clear the issue. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Please advise if email from settlement agent confirming that holdback for $XXXXis onlyon Seller's side and not for Buyer will clear finding. |
03/23/2026 | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXXX | 4000116614 | XXXXXX | XXXXXX | 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 Coverage is less than Original Loan Amount. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 2000000372 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-02-17): Received, Clearing. Buyer Comment (2026-02-17): title |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000372 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-02-17): Received, Clearing. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115848 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-18): Reopened Reviewer Comment (2026-02-18): Cleared based on review coming back within tolerances |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115848 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide Guaranty agreement signed by XXXX. | Reviewer Comment (2026-02-17): Received, cleared Seller Comment (2026-02-17): Comment from XXXX (XXXX): Please see uploaded executed guaranty. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000109016 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 states Occupancy and Declarations section Will you occupy the property as primary residence as "YES" | Reviewer Comment (2026-02-21): Received, Clearing. Seller Comment (2026-02-20): Comment from XXXX (XXXX): Signed 1003 Reviewer Comment (2026-02-19): Corrected 1003 provided is not executed. Exception remains. Seller Comment (2026-02-19): Comment from XXXX (XXXX): 1003 |
02/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109016 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 states Occupancy and Declarations section Will you occupy the property as primary residence as "YES" | Reviewer Comment (2026-02-21): Received, Clearing. Seller Comment (2026-02-20): Comment from XXXX (XXXX): Signed 1003 Reviewer Comment (2026-02-19): Corrected 1003 provided is not executed. Exception remains. Seller Comment (2026-02-19): Comment from XXXX (XXXX): 1003 |
02/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113236 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXor XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113236 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXXis less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-03): Please provide the POCB invoice for the appraisal. Reviewer Comment (2026-03-03): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please see the attached corrected PCCD and the printout from the County Tax Collector's office showing that the Property Taxes have been paid. Please kindly note that the payment of the Property Taxes was not a part of the loan transaction. The Borrower made the payment on their own. Thank you. Reviewer Comment (2026-02-27): Non-QM requires all assets documents be pre-consummation. We need to verify those taxes were paid pre-close. Buyer Comment (2026-02-27): Comment from XXXX (XXXX): Hello, we have already successfully verified that the property tax payment has been made. May we please inquire the specific reason the property tax payment method and date need to be verified? Thank you. Reviewer Comment (2026-02-27): On the tax receipt we need to see where the funds came from as the tax cert provided just shows it was paid but not the date paid. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-02-26): Please provided the POC invoices for cost paid before closing. Buyer Comment (2026-02-26): Comment from XXXX (XXXX): Total assets $XXXX- funds required at closing per PCCD $XXXX= $XXXXavailable for reserves. Reserves required is $XXXX. Therefore, we have sufficient reserves. Reviewer Comment (2026-02-26): Shortage still remains with PCCD. Reviewer Comment (2026-02-26): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXXis less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Hello, please kindly note that the figures on the attached PCCD are the final figures on the loan. The Borrower has demonstrated sufficient funds for reserves. Thank you. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113236 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-03): Please provide the POCB invoice for the appraisal. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please see the attached corrected PCCD and the printout from the County Tax Collector's office showing that the Property Taxes have been paid. Please kindly note that the payment of the Property Taxes was not a part of the loan transaction. The Borrower made the payment on their own. Thank you. Reviewer Comment (2026-02-27): On the tax receipt we need to see where the funds came from as the tax cert provided just shows it was paid but not the date paid. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000113236 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-03): Please provide the POCB invoice for the appraisal. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please see the attached corrected PCCD and the printout from the County Tax Collector's office showing that the Property Taxes have been paid. Please kindly note that the payment of the Property Taxes was not a part of the loan transaction. The Borrower made the payment on their own. Thank you. Reviewer Comment (2026-02-27): On the tax receipt we need to see where the funds came from as the tax cert provided just shows it was paid but not the date paid. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113538 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113538 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110354 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure not provided | Reviewer Comment (2026-02-18): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000110354 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-18): Accepted as is. |
02/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114672 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXXX | 4000112475 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000112475 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-02-27): XXXX received CD and VCC. Seller Comment (2026-02-26): Comment from XXXX(XXXX): Hello, please see attached, thank you. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115042 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXXcompared to the calculated Amount Financed of $XXXXand the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXXis over disclosed by $XXXXcompared to the calculated Amount Financed of $XXXXand the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure | Reviewer Comment (2026-03-02): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-02-27): Comment from XXXX (XXXX): CURE REFUND, LOE, PROOF OF DELIVERY Reviewer Comment (2026-02-24): XXXX received Post Close CD. Missing cure documentation that would cure the underdisclosure of $XXXX. LOE to borrower explaining violation, copy of cure refund for underdisclosure of $XXXXand proof of mailing. The fees included in XXXX calculation are: $XXXXLoan Origination, $XXXXprepaid Int, $XXXXProcessing Fee Section A, $XXXXTC Fee in Section H, $XXXX title-messenger, $XXXXtitle-Loan Tie In Fee, $XXXXTitle-Archive Fee, $XXXXTitle-Recoding Service Fee, $XXXXTitle-Settlement Agent, $XXXXTitle-sub-escrow, $XXXXTitle-wire & wire service and $XXXXUnderwriting Fee. Seller Comment (2026-02-23): Comment from XXXX (XXXX): POST CD |
XXXXXX | 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, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000115042 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXXis under disclosed by $XXXXcompared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX | Final Closing Disclosure provided on XXXXdisclosed 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 $XXXXis under disclosed by $XXXXcompared to the calculated Finance Charge of $XXXXwhich exceeds the $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated | Reviewer Comment (2026-03-02): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD |
XXXXXX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000115042 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided. | Reviewer Comment (2026-03-03): XXXXreceived Post CD and LOX. Seller Comment (2026-02-27): Comment from XXXX (XXXX): PCCD AND LOE Reviewer Comment (2026-02-27): XXXX received CD dated XXXX, however PCCD dated XXXX which was sent after XXXX CD removed the title prefix. Please provide corrected PCCD and LOE to re-evaluate the exception. Seller Comment (2026-02-25): Comment from XXXX(XXXX): PCCD included in the closing package already shows the prefix 'Title-'. Please see pg XXXX of the closing package, also attached here. Reviewer Comment (2026-02-25): XXXX received rebuttal. However, if the fee is paid to title than we would require Post CD to be updated with prefix "Title - Document preparation fee along with LOX in order to clear the exception. Buyer Comment (2026-02-24): Comment from XXXX (XXXX): The fee amount has not changed - only the wording differs slightly, as the CD description is automatically generated through XXXX and is not editable on our end. There has been no change to the fee, tolerance category, payee, or amount. This appears to be a minor system-generated wording variance rather than a substantive discrepancy. Please help to waive the condition. Reviewer Comment (2026-02-24): XXXX received rebuttal comment that the Doc preparation fee was already disclosed on initial LE but as per file the fee was disclosed as Title - Document Preparation Fee of $XXXXon initial LE while final CD shows the fee without "Title -" prefix. If fee is paid to title. Please provide corrected PCCD with correct fee name along with LOE to borrower. Buyer Comment (2026-02-20): Comment from XXXX (XXXX): No tolerance has exceeded as the Document Preparation fee was disclosed in the initial LE. Please waive the condition. |
03/03/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000115578 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-20): Cleared based on review coming
back within tolerances |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000109710 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX | Reviewer Comment (2026-02-20): Accepted as is. |
02/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109710 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-19): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | DE | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000107775 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-20): Cleared based on review coming
back within tolerances |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000107775 | XXXXXX | XXXXXX | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-02-26): XXXX received CD dated XXXX Seller Comment (2026-02-25): Comment from XXXX (XXXX): Attached |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000107775 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-02-19): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114197 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-02-25): Received Fraud Report. Exception
cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): Fraud Report |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000114197 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-02-25): Received Fraud Report. Exception
cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): Credit Report |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114197 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject zoned XXXX. The entire subject community named XXXX is zoned XXXX, although no known "XXXX" exist. It is made up of SFD, with many including outbuildings or horse stable/barns. The zoning designation does not adversely affect the marketability of subject and may enhance it. Approved with XXXX+ month reserves, XXXXFICO, good credit history. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-02-20): Client elects to waive with
compensating factors |
02/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000113298 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-20): Accepted as is per client. |
02/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000113298 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Complete Fraud Report is missing. | Reviewer Comment (2026-02-25): Fraud Report, cleared Seller Comment (2026-02-25): Comment from XXXX (XXXX): XXXX: Please see attached documentation |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116075 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-21): Accepted as is. |
02/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000117008 | XXXXXX | XXXXXX | 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 (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117008 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Other monthly fee of $XXXX, reflected on XXXXand final 1003 is not verified in file. | Reviewer Comment (2026-02-25): Received supporting document for
amount $XXXX. Exception cleared. Seller Comment (2026-02-24): Comment from XXXX(XXXX): Hello, the 'Facilities Assessment' fee was notated on the Purchase Contract. Please kindly see attached one more time, thanks. |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | D | A | MD | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113453 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support not provided in file | Reviewer Comment (2026-02-25): Received LOX from lender Seller Comment (2026-02-25): Comment from XXXX (XXXX): LOE regarding updated 1003 Reviewer Comment (2026-02-25): Since child support was on the original 1003 an LOE explaining why its being removed now is needed. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Updated 1003 |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116371 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, WVOE provided was dated more than XXXXdays prior to closing. | Unable to verify income due to, WVOE provided was dated more than 90 days prior to closing | Reviewer Comment (2026-02-21): Guidelines allow 120 days. Buyer Comment (2026-02-20): Comment from XXXX (XXXX): As per XXX guideline, documents are valid for XXXXdays, please double check and clear the condition |
02/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116371 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-02-21): Guidelines allow 120 days. |
02/21/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116371 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-02-21): Guidelines allow 120 days. |
02/21/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116791 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-24): Clearing based on review coming
back within tolerances. Reviewer Comment (2026-02-23): Buyer ordered review. Nothing to do at this time. Seller Comment (2026-02-23): Comment from XXXX (XXXX): SSR |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116791 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116791 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Incomplete CD, | Reviewer Comment (2026-03-03): XXXX received lender attestation
confirming the incompleteXXXX CD was title balancing CD and not issued by
lender. Seller Comment (2026-03-02): Comment from XXXX (XXXX): LOX for Final CD Reviewer Comment (2026-02-26): Please provide LOA stating circumstances behind presentation of incomplete CD to borrower and note that title company did or did not have permission and responsibility to generate CDs to be issued to borrower. XXXX will re-review loan based on LOA. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Final CD signed at closing attached. This is the lender CD. Reviewer Comment (2026-02-24): XXXXreceived XXXX CD. However, the issue relates to the additional XXXX CD, Doc ID XXXX, which has blank Loan Calculations on page 5. This CD was wet signed by borrower on XXXX. It is tested as XXXX% and the subsequent Final CD, with same issue date ofXXXX increases the APR over .XXXX%. Seller Comment (2026-02-23): Comment from XXXX (XXXX): Initial CD uploaded reflecting APR within threshold |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000116791 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure Provide. | Reviewer Comment (2026-02-23): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116791 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for existence of self employed business. Unable to obtain an internet search of the business. Comp Factors: Fico XXXX, Residual income of $XXXXwith XXXXmonths of reserves. Validation of minimum of 2 years existence of the business from CPA. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-23): Client elects to waive/regrade
with compensating factors. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000116414 | XXXXXX | XXXXXX | 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. | Appraisal Report sent (XXXX)XXXX | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116414 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115076 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-02-23): Received Security Instrument -
Subject Lien. Exception cleared. Seller Comment (2026-02-23): Comment from XXXX (XXXX): Certified copy of Deed of Trust |
02/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AK | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115076 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD is missing. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Final SS, Post CD |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AK | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000111696 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | The appraisal pages provided are cut off, and unable to verify the subject address and borrower details etc. | Reviewer Comment (2026-02-23): Received appraisal. Exception
cleared. Seller Comment (2026-02-23): Comment from XXXX (XXXX): uploaded appraisal document |
02/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114104 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXor XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114104 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | There are no assets to be verified, provided Bank statement is not considerable. | Reviewer Comment (2026-02-25): Received valid bank statement.
Exception cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): Hello, could you please kindly advise why the attached XXXX bank statement is not considerable? These assets should show that we have sufficient funds for closing as well as reserves. Thank you. |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114104 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | No assets are provided for reserve requirement. | Reviewer Comment (2026-03-02): Received bank statements included
in assets. Available for reserves is sufficient to meet guideline reserves
requirement. Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX: Hello, please kindly see the attached, thank you. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114104 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-02): Received bank statements included
in assets. Available for reserves is sufficient to meet guideline reserves
requirement. Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please kindly see the attached, thank you. |
03/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000114104 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-02): Received bank statements included
in assets. Available for reserves is sufficient to meet guideline reserves
requirement. Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please kindly see the attached, thank you. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000109011 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than 12 months prior to the note date. | Effective date of appraisal is XXXX | Reviewer Comment (2026-03-02): Second appraisal received,
cleared |
03/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000109011 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-03-02): Second appraisal received,
cleared Seller Comment (2026-03-02): Comment from XXXX (XXXX.): appraisal |
03/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116714 | XXXXXX | XXXXXX | 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 Coverage is less than Original Loan Amount. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000115446 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Reviewer Comment (2026-02-26): Received Rider - Prepayment with borrower signature.
Exception cleared. Seller Comment (2026-02-26): Comment from XXXX (XXXX): ppp |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115446 | XXXXXX | XXXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease Agreement is missing. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from XXXX (XXXX): lease |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000114848 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114439 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXXX | 4000116655 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Operating Agreement Reviewer Comment (2026-02-26): Per guidelines: The following documentation is required for each Borrowing Entity: Ÿ Articles Of Organization/Certificate of Formation Ÿ Secretary of State Search Ÿ Operating Agreement (or equivalent) Ÿ Certificate of Good Standing Ÿ Executed W-9 and/or Employer Identification Number (EIN) Ÿ Evidence of signing authority for Guarantor(s) signing on behalf of the entity Buyer Comment (2026-02-26): Comment from XXXX (XXXX): We provided the Articles of Organization, and the IRS EIN filing shows our borrower as sole member. Please Waived this Finding |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000116655 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement is missing. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from XXXX (XXXX): Lease Agreement |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000114531 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXdoes not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113826 | XXXXXX | XXXXXX | 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 (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117003 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000112924 | XXXXXX | XXXXXX | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113238 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113238 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115257 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116052 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Conditioned Approval is for Prior delinquent property taxes on departing residence that were greater than 1 year delinquent. Taxes were delinquent in XXXX, but have been paid current. Letter of Explanation from Borrower reflects this was an oversight when property was purchased. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-25): Client elects to waive with
compensating factors |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000114421 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-26): Clearing based on review coming
back within tolerances. |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115364 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000115364 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check is Missing for Gift Funds of $XXXX. | Reviewer Comment (2026-03-03): Received Updated 1003 and 1008
confirms that the Gift funds as $XXXX. As per the final 1003 and the Closing
Disclosure, the gift funds $XXXXare not reflected and were not used as
assets. Therefore, sourcing of the $XXXX gift funds is not required.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Hello, please see the attached updated 1008 and 1003 showing the updated assets amount. Please also see the bank statement, Gift Letter and Gift Funds receipt for $XXXX. Thank you. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115364 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115364 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | 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. |
C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000114470 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113122 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Comment from XXXX (XXXX): RCE provided by insurance agency Reviewer Comment (2026-02-27): Estimated Cost New from appraisal since we do not have an RCE. Buyer Comment (2026-02-27): Comment from XXXX (XXXX): We will request this letter, but where are you getting the minimum coverage of $XXXX? Reviewer Comment (2026-02-26): Based on FNMA requirements. A letter from the carrier stating that coverage is at least for the amount to replace the property. Buyer Comment (2026-02-26): Comment from XXXX (XXXX): Will you please provide your calculation/formula for how you came to this minimum coverage? This property is located in XXXX and by law, we are not to ask for RCE or additional cover. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113653 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval is missing in the file. | Reviewer Comment (2026-03-03): Received Approval. Exception
cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX.): here's loan approval 1008 Reviewer Comment (2026-02-27): Looking for the loan approval not the appraisal. Seller Comment (2026-02-27): Comment from XXXX (XXXX.): appraisal was included shipping package |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116237 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution or operating agreement is required. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from XXXX (XXXX): please see attached |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000114491 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is incomplete. | Reviewer Comment (2026-02-27): Received Fraud Report. Exception
cleared. Seller Comment (2026-02-27): Comment from XXXX (XXXX.): fraud report uploaded |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000114491 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-26): Clearing based on review coming
back within tolerances. |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 2000000382 | XXXXXX | XXXXXX | 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. | Appraisal Notice is missing. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115035 | XXXXXX | XXXXXX | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-03): XXXX received disclosure tracking
for initial CD. Seller Comment (2026-02-27): Comment fromXXXX (XXXX): Initial CD and proof of delivery |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | 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 reflects $XXXXand final closing disclosure reflects $XXXX. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | 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. |
C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | XXXX High-Cost Loan: Notice to Borrower not provided to borrower. | Notice to Borrower not provided to borrower. | Reviewer Comment (2026-03-25): Cure documentation provided. Loan
is no longer high-cost. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Counseling Requirement) | XXXX High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. | Proof of counseling from HUD-approved nonprofit credit counselor not obtained | Reviewer Comment (2026-03-25): Cure documentation provided. Loan
is no longer high-cost. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Provision Increasing Rate After Default) | XXXX High-Cost Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-25): Cure documentation provided. Loan
is no longer high-cost. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | New Jersey High-Cost Loan: Lender financed points and fees in excess of 2% of the total loan amount. | Lender financed points and fees in excess of XXXX% of the total loan amount. | Reviewer Comment (2026-03-25): Cure documentation provided. Loan
is no longer high-cost. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000117222 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | XXXX Home Ownership Security Act: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXXvs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-03-25): Cure documentation received. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Cure docs Reviewer Comment (2026-03-19): Within XXXXdays of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum ($XXXX); and (3) proof of mailing (must be in transit with courier). There are 7 days left to cure. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Please advise what will be needed to clear this loan for high cost conditions. Reviewer Comment (2026-03-12): A undiscounted rate of XXXX% at a XXXXprice isn't bona fide. Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-03-10): The XXXX provided does not show any fees included in the state testing. Please provide evidence of undiscounted interest rate and price to determine if any portion of discount points are bona fide. Buyer Comment (2026-03-10): Comment from XXXX (XXXX): Please reference bottom of page 11 of 18 of the XXXX Reviewer Comment (2026-03-03): This is XXXX High Cost. Not seeing state high cost listed on the Mavent. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Please see attached mavent showing that high cost pass. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation;
(2) refund of amount over the covered loan threshold maximum; and (3) proof
of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000113842 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state the seller must be on title for a minimum of XXXXdays as measured from the date seller takes title to the date sales contract was executed. The subject has been owned by XXXX since XXXX while the purchase agreement was executed onXXXX a difference of XXXXdays. The property is not new construction and was acquired for $XXXX. The current sales price for the subject is $XXXX. The subject has been updated since the last purchase. - Need a secondary valuation supporting the value of the primary appraisal to satisfy a lender exception condition. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-11): Client elected to waive/regrade
with compensating factors. Lender exception provided. Seller Comment (2026-03-11): Comment from XXXX (XXXX): XXXX - XXXX: Please see the attached exception fromXXXX Reviewer Comment (2026-03-03): The guidelines state the following: • The seller must be on title for a minimum of XXXXdays, (from the date seller takes title to date sales contract executed). This is a violation of the guidelines so an exception from the buyer is needed. Seller Comment (2026-03-03): Comment from XXXX (XXXX): XXXX- XXXX: Please see attached. The FNMA SSRs reflects a CU Risk Score of 1, which is a sufficient secondary valuation per the agreed upon guidelines withXXXX |
03/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MN | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000117229 | XXXXXX | XXXXXX | 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. | Date valuation provided to applicant is prior to the date when valuation was performed | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000117229 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000117229 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000116872 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Borrower confirms that the "will you occupy the subject property as your primary residence" as Yes. | Reviewer Comment (2026-03-05): Updated 1003 received, cleared Seller Comment (2026-03-05): Comment from XXXX (XXXX): Please see attached. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116872 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Co-Borrower confirms that the "will you occupy the subject property as your primary residence" as Yes. | Reviewer Comment (2026-03-05): Updated 1003 received, cleared Seller Comment (2026-03-05): Comment from XXXX (XXXX): Please see attached. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116872 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000110821 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR submitted with a loan originator designation of other than ATR Exempt | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000110821 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000110821 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | XXXXSubprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116866 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116866 | XXXXXX | XXXXXX | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-03): Updated Final Policy provided.
Cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Please see attached |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 4000116833 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 2000000341 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Flood Insurance Policy expires within 90 days of the Note Date. | Flood Insurance Policy Expiration Date ___; Note Date ___ | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000341 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000341 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000341 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Received unsigned Notice of Special Flood Hazard disclosure. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | 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 (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | 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 (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | 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. |
C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated and verified PITIA months reserves of XXXXis less than Guideline required PITIA months reserves of XXXX. | Reviewer Comment (2026-03-24): Received latest bank statement.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Please see attached bank statement showing $XXXX Reviewer Comment (2026-03-23): Total verified assets as per final 1003 is $XXXX, however as per bank statement verified assets are $XXXX. Required latest bank statement with balance of $XXXX. Exception remains. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): Please clarify where the figures listed in the condition are listed. XXXX has a total of funds verified as: Assets verified: XXXX EMD $XXXX Gift wired to title $XXXX Total Assets: XXXX 3 months reserves needed: $XXXX 3 months reserves verified: $XXXX Reviewer Comment (2026-03-19): Gift funds and EMD cannot be used towards reserves per guidelines. The only available account on file that can go towards reserves is the checking which has a balance of $XXXX, and the reserve requirement is $XXXX Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Assets verified: XXXX EMD $XXXX Gift wired to title $XXXX Total Assets: XXXX 3 months reserves needed: $XXXX 3 months reserves verified: $XXXX I show the borrower getting $$ back at closing Reviewer Comment (2026-03-16): Verified funds $XXXX, required for funds to close $XXXX. Remaining $XXXX, reserves verified $XXXX. Buyer Comment (2026-03-16): Comment from XXXX (XXXX): We needed to show 6 months reserves of $XXXX We verified borrower's own funds of $XXXX Please advise on the discrepancy Reviewer Comment (2026-03-03): Verified assets are $XXXX. Needed to be verified through closing is $XXXXReserves needed is $XXXX. Total needed to be verified is $XXXXleaving a shortage of $XXXX. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Attached ATR worksheet shows XXXXmonths reserves. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk, due to reserves of XXXXmonths is less than required XXXXmonths. | Reviewer Comment (2026-03-25): Received, Clearing. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): Please advise what is needed to clear |
03/25/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116255 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR risk due to reserves of XXXXmonths is less than required XXXXmonths. | Reviewer Comment (2026-03-25): Received, Clearing. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): Please advise what is needed to clear |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116881 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000110649 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000110649 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-18): XXXX received Corrected PCCD,
Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting
in a cured the exception. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000110649 | XXXXXX | XXXXXX | 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 Patriot Search. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Patriot Search. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-18): XXXX received Corrected PCCD,
Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting
in a cured the exception. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000110653 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000110653 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000110653 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000110653 | XXXXXX | XXXXXX | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000110653 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | XXXX Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000116675 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan assessed as Non QM updated from guidelines. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116675 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Loan Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000116675 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | XXXX Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Initial Escrow Disclosure is missing. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000116675 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116825 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116825 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Compliant SubPrime Loan. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000110794 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000110794 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116451 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116451 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The hazard insurance coverage amount is insufficient, however, the Replacement cost estimator is not provided in the file. Coverage is short $XXXX. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-05): Comment from XXXX (XXXX): We actually do have 2 Policies that will cover this Dwelling issue. The RCE shows this as a duplex. Total $XXXX First unit insured for $XXXX Second unit insured for $XXXX Reviewer Comment (2026-03-03): Provide updated hazard Insurance policy with dwelling extension. Exception remains. Seller Comment (2026-03-03): Comment from XXXX (XXXX): XXXX endorsement for replacement cost as well as the coverage index Reviewer Comment (2026-02-27): With receipt of RCE coverage is now short XXXX. Seller Comment (2026-02-27): Comment from XXXX (XXXX): RCV Reviewer Comment (2026-02-27): Insurance amount is based on FNMA coverage which doesn't look at loan amount. Seller Comment (2026-02-27): Comment from XXXX (XXXX): HOI Showing Dwelling coverage $XXXXwhich is more than sufficient. Loan Amount is $XXXX |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000113810 | XXXXXX | XXXXXX | 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 business days prior to consummation | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXXX | 4000116394 | XXXXXX | XXXXXX | 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. | Appraisal sent XXXX. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116394 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-02-27): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-02-27): Comment from XXXX (XXXX): e-consent attached |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114081 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115139 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115139 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113612 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113612 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113612 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000117022 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117022 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113673 | XXXXXX | XXXXXX | 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 (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114304 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-26): Sufficient Cure Provided within
60 Days of Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | 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) | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000113849 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113849 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. | Reviewer Comment (2026-03-05): XXXX received Letter of
explanation and Corrected Closing disclosure. Seller Comment (2026-03-03): Comment from Post Closing (XXXX.): please see attached loe Reviewer Comment (2026-03-03): XXXX received PCCD. Missing LOE to borrower. Seller Comment (2026-03-02): Comment from Post Closing (XXXX.): Please see attached updated cd |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000113849 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient Cure was not provided | Reviewer Comment (2026-03-09): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-05): Comment from Post Closing (XXXX.): Please see attached Reviewer Comment (2026-03-05): XXXXreceived the LOX for the rebuttal response indicating that the actual recording fee disclosed was $XXXX. However, the Final CD dated XXXX and XXXX(Post-CD) show that a recording fee of $XXXXwas disclosed to the borrower. As a result, the fee exceeds the XXXX% tolerance threshold of $XXXX(ILE $XXXX+ XXXX% ($XXXX) = $XXXX- $XXXXFCD). Therefore, the cure amount of $XXXXprovided is insufficient to resolve this variance. Additionally, the corrected CD for the refund cure of $XXXXwas missing from the trailing image. Please provide the additional cure along with the required cure documentation to clear this exception. Seller Comment (2026-03-05): Comment from Post Closing (XXXX): Please see attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114442 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114442 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. Compliance Report reflects an Alert Status for Higher Priced. | Reviewer Comment (2026-03-02): Received Appraisal Notice.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX.): Borrower has impounds acct and we delivered appraisal report at least 3days prior to note date. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114442 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-02): Received Appraisal Notice.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX.): please see appraisal delivery confirmation |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113117 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file was missing a copy of Employer Identification Number (EIN) | Reviewer Comment (2026-03-12): Received Employer Identification
Number (EIN). Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX.): EIN Reviewer Comment (2026-03-10): Provide EIN for subject business - XXXX Exception remains. Seller Comment (2026-03-10): Comment from XXXX (XXXX.): EIN |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000113117 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient | Reviewer Comment (2026-03-18): Received, Clearing. Seller Comment (2026-03-18): Comment from XXXX (XXXX.): Corrected docs for HOI Reviewer Comment (2026-03-12): Hazard Insurance Dwelling Coverage Amount is $XXXXand Replacement Cost Estimate is $XXXX( Which is more than dwelling coverage) as per the available documents in file. Hence, there is coverage shortfall of $XXXX. Please provide updated hazard Insurance Policy with sufficient coverage or provide updated Replacement Cost Estimator. Exception remains. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Replacement Cost Estimate Reviewer Comment (2026-03-02): Coverage is based on FNMA which isn't based on the loan amount. Buyer Comment (2026-03-02): Comment from XXXX(XXXX.): Please specify what is insufficient about the coverage. The dwelling coverage is the same as the loan amount there is loss of rent coverage listed on page 1 of 4 of the policy. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117031 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000116211 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-27): Clearing based on review coming
back within tolerances. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000111455 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-05): XXXX received Corrected PCCD,
Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting
in a cured the exception. Seller Comment (2026-03-04): Comment from XXXX (XXXX): tc Reviewer Comment (2026-03-04): XXXX received rebuttal response. but it does not give sufficient information on why the VOE fee was increased. Hence, we also required additional information on why the fee was added on the XXXX CD and was not known prior to and at initial application disclosure and to provide supporting information on when lender become aware of the requirement or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-03-02): Comment from XXXX (XXXX): inv |
XXXXXX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116046 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | The file was missing a copy of Donor Check. | Reviewer Comment (2026-03-03): Received Wire Confirmation - Fed
Ref Number. Exception cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX: See attached. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116046 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-27): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | HI | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000116046 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | P&L without 3 month bank statements per XXXX guides. Approved with XXXX% LTV, 50+ month reserves, XXXX years XXXX, XXXX tradelines with XXXX mortgages, employed 6+ years. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-02): Lender exception approved |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000116869 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Primary residence taxes due XXXX and not paid until XXXX. Subject taxes due XXXX and will be paid at closing. Approved with DSCR XXXX, mortgage history since XXXX XXXX, XXXX tradelines with XXXX mortgages. Lender exception approved LTV below XXXX%, DSCR above XXXX%, Credit score above XXXX |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-02): Client elects to waive/regrade
with compensating factors. |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000116869 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-02): Clearing based on review coming
back within tolerances. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118586 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is required for Securitization Purpose | Reviewer Comment (2026-03-05): Received, Clearing. Seller Comment (2026-03-05): Comment from XXXX (XXXX): XXXX - XXXX: Please see attached. |
03/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116640 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Reviewer Comment (2026-02-27): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116175 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file was missing a copy of HUD/CD | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): FSS was in package shipped to you- this is a dscr file so no cd. please notate your system on dscr, we ship the final settlement statement and gfe til. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117378 | XXXXXX | XXXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | The file was missing a copy of Spousal Consent form | Reviewer Comment (2026-03-03): Spousal Consent form not
required. Exception cleared. Buyer Comment (2026-03-03): Comment from XXXX (XXXX): Hello, the spouse signed the security instrument. Could you please kindly reference Loan #: XXXXin which we had a similar situation and the Spousal Consent Form was not required. Thank you. Reviewer Comment (2026-03-03): Spousal Consent Form is not provided. Exception remains. Buyer Comment (2026-03-02): Comment from XXXX (XXXX): Please note that the vesting is XXXX, and XXXX, Husband and Wife, as to an undivided XXXX% interest each one, as tenants in common. The wife (XXXX) has signed the Deed of Trust and other loan docs. The wife's act of signing the loan documents shows she has provided consent to this transaction. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000117378 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | The file was missing a copy of Spousal Consent Form | Reviewer Comment (2026-03-03): Spousal Consent form not
required. Exception cleared. Reviewer Comment (2026-03-03): Spousal Consent Form is not provided. Exception remains. Buyer Comment (2026-03-02): Comment from XXXX (XXXX): Please note that the vesting is XXXX, and XXXXHusband and Wife, as to an undivided XXXX% interest each one, as tenants in common. The wife (XXXX) has signed the Deed of Trust and other loan docs. The wife's act of signing the loan documents shows she has provided consent to this transaction. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000111446 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | HUD/CD reflects Temporary Buydown Amount in the amount of $XXXX. Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. | Reviewer Comment (2026-03-17): Received, Clearing. Seller Comment (2026-03-17): Comment from XXXX (XXXX.): buydown agreement |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000111446 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Reviewer Comment (2026-03-17): Received, Clearing. Seller Comment (2026-03-17): Comment from XXXX (XXXX): buydown agreement |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000111446 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000111446 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-03-17): Received Final 1003 Application.
Exception cleared. Seller Comment (2026-03-17): Comment from XXXX (XXXX: final 1003 |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000111446 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Buydown Term is missing. | Reviewer Comment (2026-03-17): Received, Clearing. Buyer Comment (2026-03-17): Comment from XXXX (XXXX.): please clarify this condition--I don't show a spot on the NOTE to put buydown terms |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000117026 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116101 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX.): Please see attached business purpose cert. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116101 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming
back within tolerances. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000111330 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether property taxes are included in escrow. | Projected Payments: Final Closing Disclosure provided on XXXX incorrectly disclosed whether property taxes are included in escrow. | Reviewer Comment (2026-03-11): XXXX received Letter of
Explanation & Corrected CD Seller Comment (2026-03-10): Comment from XXXX (XXXX): XXXX XXXX Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. Reviewer Comment (2026-03-04): Flood insurance annual amount on CD does not patch binder in loan file. Please provide updated documentation for review. Buyer Comment (2026-03-03): Comment from XXXX (XXXX): XXXX XXXX Page 1, 2, and 4 of the cited Closing Disclosure state that the property taxes will not be included in escrows. Please clarify the docID that reflects the property taxes should be included in escrow so we can better assist // |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000111330 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-03): Clearing based on review coming
back within tolerances. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116090 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118539 | XXXXXX | XXXXXX | 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 coverage amount is $XXXX. the loan amount is $XXXX. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116794 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Conditioned Status reflects Currently the HOA does not meet presale, there are XXXX of XXXXunits sold/closed/under contract not including client's second unit. There are no other non warrantable features, project is complete, and including client's unit only 2 more units required to meet presale. Lender exception does not contain the conditions for approval. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): Client elects to waive with
compensating factors Seller Comment (2026-03-27): Comment from XXXX (XXXX.): approval for exception Reviewer Comment (2026-03-11): The exception that was in the file has none of the borrower or condition information listed on it. It's blank. Buyer Comment (2026-03-11): Comment from XXXX (XXXX): Please advise which condition has not been met, the LTV has been reduced to XXXX% |
03/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MA | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000114703 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000395 | XXXXXX | XXXXXX | 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing. | Reviewer Comment (2026-03-02): Accepted as is. |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117266 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117266 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113222 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113222 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided | Power to Attorney is missing. | Reviewer Comment (2026-03-03): Received Power of Attorney (POA).
Exception cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Hello, Please see attached |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116156 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117027 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Policy is expiring within 90 days of note date hence required updated policy | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117027 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is withinXXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117027 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115875 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116042 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-04): Title policy amount verified from
the escrow instructions provided by the title company. Exception cleared. Buyer Comment (2026-03-04): Comment from XXXX (XXXX): Title has correct loan amount pg 700 |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000113602 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113602 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115757 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000115757 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming
back within tolerances. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000103672 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Per guidelines, Credit report must be dated no more than ninety (90) days prior to the note date. | Reviewer Comment (2026-03-03): Updated CBR received, cleared Reviewer Comment (2026-03-03): Provide recent Credit Report with Fico Scores. Exception remains. Seller Comment (2026-03-03): Comment from XXXX (XXXX): please see attached exception or remedy request. Please advise. Reviewer Comment (2026-03-03): As per XXXX XXXX - Credit Report must be dated no more than ninety (90) days prior to the note date. Exception remains. Seller Comment (2026-03-03): Comment from XXXX (XXXX): please see attached LOE with a snap of guidelines effective XXXX- credit report can be dated no more than 120 days prior to note date. |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000103672 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-03): Updated CBR received, cleared |
03/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000103672 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per guidelines, Credit report must be dated no more than ninety (90) days prior to the note date. | Reviewer Comment (2026-03-03): Updated CBR received, cleared |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117629 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000106596 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW discretion co-borrower for living rent free is required. | Reviewer Comment (2026-01-15): Updated 1008 received reflecting
UW discretion. Buyer Comment (2026-01-15): UW discretion |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000106596 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing insurance verification for REO property on XXXX. | Reviewer Comment (2026-01-15): Final settlement statement
reflecting property sold prior to our transaction. Buyer Comment (2026-01-15): Final SS and evidence of property transfer |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000106596 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-01-15): Final settlement statement
reflecting property sold prior to our transaction. Buyer Comment (2026-01-15): see attached SS |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000106596 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-15): CDFI lender testing ATR |
01/15/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 4000118050 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | XXXX Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | XXXX is missing. | Reviewer Comment (2026-03-06): XXXX, cleared Seller Comment (2026-03-06): Comment from XXXX XXXX): XXXX XXXX Please see attached |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118050 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming
back within tolerances. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116768 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2026-03-09): Cleared removed the gift of
XXXX, Seller Comment (2026-03-09): Comment from XXXX (XXXX): XXXX - XXXX: A gift of $XXXXis not applicable for this transaction. Please see the attached wire receipts for the gifts of $XXXXand $XXXX. |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): atr |
03/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to Third Party Verification is missing. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): atr |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Third Party Verification is missing. | Reviewer Comment (2026-03-05): Provided. Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): atr |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to Third Party Verification is missing. | Reviewer Comment (2026-03-05): Documentation provided.
Cleared. |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113088 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third Party Verification/ CPA Letter is missing. | Reviewer Comment (2026-03-05): Stock Certificate @ XXXX%
ownership provided. Cleared. Seller Comment (2026-03-05): Comment from XXXX (XXXX): self-employed docs |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117679 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming
back within tolerances. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117679 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds Guideline high loan to value percentage of ___ | The representative FICO score exceeds the guideline minimum by XX points. | The representative FICO score exceeds the guideline minimum by 20 points. | SitusAMC | Reviewer Comment (2026-03-03): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 4000117679 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The representative FICO score exceeds the guideline minimum by XX points. | The representative FICO score exceeds the guideline minimum by 20 points. | SitusAMC | Reviewer Comment (2026-03-03): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 4000117679 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The representative FICO score exceeds the guideline minimum by XX points. | The representative FICO score exceeds the guideline minimum by 20 points. | SitusAMC | Reviewer Comment (2026-03-03): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 4000116746 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Five percent reduction due to the subject is located in a declining market | Reviewer Comment (2026-03-11): Received Lender Exception form
confirms the exception approved. Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): EXCEPTION was granted for this issue - please see attached Reviewer Comment (2026-03-05): Per guidelines, Max LTV for Cashout with XXXX score and XXXX DSCR = XXXX% LTV - XXXX% for Declining Market = XXXX%. Exception remains. Buyer Comment (2026-03-05): Comment from XXXX (XXXX): We disagree with this suspense. Per my underwriter, the max LTV is XXXX% and you have to take XXXX% of the max. Our LTV is XXXX%. I vetted this out with our team lead. We should be fine. Can you please re-review and waive or provide clarification that I can take back to management. Thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000116746 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Five percent reduction due to the subject is located in a declining market | Reviewer Comment (2026-03-11): Received Lender Exception form
confirms the exception approved. Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): EXCEPTION was granted for this issue - please see attached Reviewer Comment (2026-03-05): Per guidelines, Max LTV for Cashout with XXXX score and XXXX DSCR = XXXX% LTV - XXXX% for Declining Market = XXXX%. Exception remains. Buyer Comment (2026-03-05): Comment from XXXX (XXXX): We disagree with this suspense. Per my underwriter, the max LTV is XXXX% and you have to take XXXX% of the max. Our LTV is XXXX%. I vetted this out with our team lead. We should be fine. Can you please re-review and waive or provide clarification that I can take back to management. Thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file was missing a copy of Fraud Report. | Reviewer Comment (2026-03-11): Received Fraud Report. Exception
cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): fraud |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing the XXXX bank accounts that were used for the asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): bank statements |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing the XXXX bank accounts that were used for the asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing the XXXXbank accounts that were used for the asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing the XXXX bank accounts that were used for the asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exception have been cured/cleared. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (-XXXX) and calculated Non QM residual amount (-XXXX) are both lower than the amount required per the guidelines (XXXX). | ATR failure due to missing the XXXX account statements used in asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | ATR Failure due to Bank Statement Documents missing for XXXX that was used in asset depletion income. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Failure due to Bank Statement Documents missing in the file | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR not satisfied, due to missing bank statements used in asset depletion. | Reviewer Comment (2026-03-11): Received Account Statements -
Personal. Exception cleared. |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117097 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to XXXX day requirement. Funds previously held in XXXX account, which borrower owned XXXX%, now dissolved, and his share was transferred into their personal investment account last month. Approved conditioned on document trust ownership, dissolution with comp factors LTC <XXXX%, DTI XXXX%, XXXX score. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): Client elects to waive/regrade
with compensating factors. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000113438 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116426 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review coming
back within tolerances. Reviewer Comment (2026-03-03): Buyer ordered review, nothing to do at this time. Seller Comment (2026-03-03): Comment from XXXX (XXXX): SSR |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000110670 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | XXXX Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not signed by Lender. | Reviewer Comment (2026-03-09): Provided. Clearing Seller Comment (2026-03-09): Comment from XXXX (XXXX): RI Disclosure Signed |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000110670 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-03-11): XXXX received COC and CD dated
XXXX. Seller Comment (2026-03-10): Comment from XXXX (XXXX): COC CD |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000110670 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift of Equity Letter is missing. | Reviewer Comment (2026-03-09): Gift of Equity Letter provided.
Cleared. Seller Comment (2026-03-09): Comment from XXXX (XXXX): Gift Letter for $XXXX |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000110670 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-03-09): Gift of Equity letter provided.
Clearing |
03/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | RI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000110670 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Gift of Equity Letter is missing. | Reviewer Comment (2026-03-09): Gift of Equity letter provided.
Clearing |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117580 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117580 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000117580 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000117025 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115850 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list Title policy coverage amount. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000114796 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118230 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-06): XXXX received LOX for rebuttal
response with bifurcation recording fee and transfer taxes disclosed on LE
and CD. Further review the fees are within that tolerance requirement. Seller Comment (2026-03-04): Comment from XXXX XXXX): Please see attached. |
03/06/2026 | 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 | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-12): XXXX received LOE fir the
correctness of COC dated XXXX. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-03-06): XXXX: The COC that was provided in the trailing images was also provided in the original loan package indicates that lock extended for 5 days at a cost of XXXX%. But the cost disclosed on final CD of XXXX% and the point charged to borrower of $XXXX. File does not contain valid COC for the fee was increased. A valid COC for the fee increased on final CD or Cure is required to bororwer. Seller Comment (2026-03-04): Comment from XXXX (XXXX): COC shows that rate was extended. |
03/12/2026 | 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 | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-06): XXXX: Sufficient cure provided.
Full cure amount for tolerance violation was provided at closing (on final
CD) resulting in a cleared exception. Buyer Comment (2026-03-04): Comment from XXXX (XXXX): Final CD dated XXXX in section J. $XXXX was already credited back to the borrower for the overage. Please waive. |
03/06/2026 | 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 | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000112264 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-12): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||||
| XXXXXX | 4000117898 | XXXXXX | XXXXXX | 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 (2026-03-03): Accepted as is. |
03/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117021 | XXXXXX | XXXXXX | 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 (2026-03-04): Accepted as is. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116980 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-06): Clearing based on review coming
back within tolerances. |
03/06/2026 | 1 | A | A | A | A | A | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXXX | 4000117004 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114070 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114070 | XXXXXX | XXXXXX | 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 (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114070 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached. |
03/06/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114070 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115857 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115857 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-03-11): Received, Clearing. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, Please see attached |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000117005 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of XXXX | Reviewer Comment (2026-03-11): Received Appraisal. Exception
cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Loan is to be securitized. Appraisal is missing. | Reviewer Comment (2026-03-11): Received Appraisal. Exception
cleared. |
03/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The file is missing a copy of Appraisal | Reviewer Comment (2026-03-11): Received Appraisal. Exception
cleared. Seller Comment (2026-03-11): Comment fromXXXX (XXXX.): please see appraisal Reviewer Comment (2026-03-10): Appraisal wasn't received. Seller Comment (2026-03-09): Comment from XXXX (XXXX.): appraisal |
03/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-03-10): Only 2 months reserves
required Reviewer Comment (2026-03-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Reviewer Comment (2026-03-09): As per XXXX XXXX, 6 Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX.): Per XXXX guide line only need 2 mths PI for reserve, we have enough reserves please waive this condition |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-10): Only 2 months reserves
required Reviewer Comment (2026-03-10): As perXXXX XXXX, XXXX Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX.): Per XXXX guide line only need 2 mths PI for reserve, we have enough reserves please waive this condition |
03/10/2026 | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-10): Only 2 months reserves
required Reviewer Comment (2026-03-10): As perXXXX XXXX, 6 Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX.): Per XXXX guide line only need 2 mths PI for reserve, we have enough reserves please waive this condition |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117648 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | 2 | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXXX | 4000116314 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-06): Clearing based on review coming
back within tolerances. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000114895 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at $XXXX. | Reviewer Comment (2026-03-11): Received Hazard Insurance Policy.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): please see attached |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000114895 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-03-16): Received corrected Note document
signed by the guarantors as individually and as members of LLC. Exception
cleared. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Note correction attached & shipping XXXX Reviewer Comment (2026-03-05): The borrower is XXXX however the note is only personally signed. The guarantors need to sign also on behalf of the LLC. Buyer Comment (2026-03-05): Comment from XXXX (XXXX): Can you please provide further information on this condition? Per the guide, Personal Guaranty is not required when the Note is signed individually and i do not see this document listed as required anywhere else in the guides. If required-please provide copy of the document to be filled out and signed. |
03/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117108 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-04): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000116059 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116059 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | XXXX Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Compliant SubPrime Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Compliant SubPrime Loan. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116059 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-09): XXXX received LOE with fee
bifurcation of section E fees on initial LE. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Please see attached. |
03/09/2026 | 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 | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 2000000406 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Title Preliminary is missing. | Reviewer Comment (2026-03-04): Received Title Preliminary
Exception Cleared. Buyer Comment (2026-03-04): Title |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 2000000406 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing. | Reviewer Comment (2026-03-04): Received Title Preliminary
Exception Cleared. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | 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 (2026-03-06): Accepted as is per client. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed Points and Fees. | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXXon a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Colorado Covered Loan (Consumer Caution Notice Not Provided) | Colorado Covered Loan: Consumer Caution Notice not provided to borrower. | Consumer Caution Notice not provided to borrower | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Colorado Covered Loan (Points and Fees) | Colorado Consumer Equity Protection Act: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor XXXX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX7 (an overage of $XXXX | Reviewer Comment (2026-03-11): Received undiscounted interest
rate and price Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please note: Undiscounted Interest Rate: XXXX%; Undiscounted Interest Rate Price: XXXX. Thank you. Reviewer Comment (2026-03-11): Please provide the Undiscounted Interest Rate and Undiscounted Interest Rate Price so discount points determination of bona fide can be made. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | For application prior to 1/10/14, no obvious cure. For applications on or after 1/10/14, same as DF HOEPA cure: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. |
C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118101 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-17): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-13): XXXX received LOX for rebuttal response that requested by the consumer. But there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise cure is required to borrower. Seller Comment (2026-03-12): Comment from XXXX (XXXX): Hello, please see attached, thank you. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-11): XXXX received COC dated XXXX for increase in fee due to change in provider however, more information is required as if borrower has requested to change the provider or any other circumstance occurred that was not known at the time of initial review that required to increase the cost of the service. Please provide more information or cure would be required. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000117369 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-03-10): Received Insurance and HOA
Verification. Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Hello, please see attached. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000117369 | XXXXXX | XXXXXX | 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000115135 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | 2 years employment history is not provided. | Reviewer Comment (2026-03-11): Received Lender Exception.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-10): An exception from the buyer of the loan is needed. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): Hello, XXXX to consummation date XXXX is XXXX months and XXXX days. We feel that this can be considered as 2 years and would like to ask that the condition is waived. Thank you. Reviewer Comment (2026-03-07): ATR look at consummation being the note signing. The note was signed XXXX which makes it short of two years. Buyer Comment (2026-03-06): Comment from XXXX (XXXX): Hello, the Borrower started their current employment on XXXX and the loan funded on XXXX. Therefore, we have 2 year employment history in the file. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115135 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | 2 years employment history is not provided. | Reviewer Comment (2026-03-11): Received Lender Exception.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-07): ATR look at consummation being the note signing. The note was signed XXXX which makes it short of two years. Buyer Comment (2026-03-06): Comment from XXXX (XXXX): Hello, the Borrower started their current employment on XXXX and the loan funded on XXXX. Therefore, we have 2 year employment history in the file. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115135 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115135 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-11): Received Lender Exception.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-07): ATR look at consummation being the note signing. The note was signed XXXX which makes it short of two years. Buyer Comment (2026-03-06): Comment from XXXX (XXXX): Hello, the Borrower started their current employment on XXXX and the loan funded on XXXX. Therefore, we have 2 year employment history in the file. |
03/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000115135 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-11): Received Lender Exception.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-07): ATR look at consummation being the note signing. The note was signed XXXX which makes it short of two years. Buyer Comment (2026-03-06): Comment from XXXX (XXXX): Hello, the Borrower started their current employment on XXXX and the loan funded on XXXX. Therefore, we have 2 year employment history in the file. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing. | Reviewer Comment (2026-03-24): Received Hazard Insurance Policy.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): ATTACHED |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-03-20): Received, Clearing. Seller Comment (2026-03-20): Comment from XXXX (XXXX.): ATTACHED Reviewer Comment (2026-03-20): Provide correct Note document with Loan amount $XXXX. Exception remains. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Loan closed in individual name, not LLC. It appears the incorrect note was uploaded but the correct note was also provided. This was caught at time of signing. Reviewer Comment (2026-03-16): Require Guarantor Agreement for XXXX. Exception remains. Seller Comment (2026-03-13): Comment from XXXX (XXXX.): ATTACHED |
03/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status is for XXXX) use appraised value with more than XXXX% variance between second (2nd) one (use $XXXXM, 2nd appraisal is $XXXXM).Comp Factors LTV below XXXX%, FICO above XXXX, Reserves over XXXX months. | Borrower has been employed in the same industry for more than 5
years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-06): Client elects to waive/regrade
with compensating factors. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Organization is missing. | Reviewer Comment (2026-03-20): Received, Clearing. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Certificate of Good Standing is missing. | Reviewer Comment (2026-03-20): Received, Clearing. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000116634 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | EIN is missing. | Reviewer Comment (2026-03-20): Received, Clearing. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | B | D | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000116900 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116969 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117646 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116361 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated months of reserves of XXXX is less than guideline requirement of XXXX months reserves. | Reviewer Comment (2026-03-10): Reserves not required per
guidelines Reviewer Comment (2026-03-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Reviewer Comment (2026-03-09): As perXXXX XXXX, XXXX Months reserves required for DSCR program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX.): Per XXXX guideline no reserve require with this LTV and loan amount please waive this condition Loan Amount ≤ $XXXX million and LTV ≤ XXXX% → None required |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000112261 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit report was obtained on XXXX, which is more than 90 days prior to the Note date (XXXX). | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): Client elects to waive,
guidelines dated XXXX allow age of credit documents to be 120 days Reviewer Comment (2026-03-11): Please submit online via XXXX's online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2026-03-11): Comment from XXXX (XXXX): Please see lox Reviewer Comment (2026-03-10): From the guidelines: 13.4 DOCUMENTATION AGE § Unless otherwise stated in this guide, all credit documents including credit report, income docs, and asset statements must be dated no more than ninety (90) days prior to the note date. The note date is utilized for document expiration for all funding types. Buyer Comment (2026-03-10): Comment from XXXX (XXXX): Please send a copy of the guide that you are referring to. XXXX Reviewer Comment (2026-03-09): As per XXXX guide XXXX. Age of Credit report no more than ninety (90) days prior to the note date. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): Would you mind clarifying where in your guides it states the credit report can only be 90 days old. We are showing that your guidelines state 120 days. |
03/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000112261 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to outdated credit report, resulting in a loan designation discrepancy. | Reviewer Comment (2026-03-23): Client elects to waive age of
credit report exception. This exception is cleared Reviewer Comment (2026-03-11): Please submit online via XXXX's online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2026-03-11): Comment from XXXX (XXXX): This should clear as well with lox |
03/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000112261 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to outdated credit report. | Reviewer Comment (2026-03-23): Client elects to waive age of
credit report exception. This exception is cleared Reviewer Comment (2026-03-11): Please submit online via XXXX's online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2026-03-11): Comment from XXXX (XXXX): This should clear as well with lox |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117148 | XXXXXX | XXXXXX | 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 Loan Policy amount on the Title report is less than the loan amount | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000118408 | XXXXXX | XXXXXX | 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. | Appraisal sent XXXX. (D0467) | Reviewer Comment (2026-03-06): Accepted as is per client. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000117393 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117393 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal not obtained prior to consummation. | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117393 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | Reviewer Comment (2026-03-06): Received, Clearing. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Hello, please see attached. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117393 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116342 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-06): Accepted as is per client. Seller Comment (2026-03-06): Comment from XXXX (XXXX): see attached Delivered proof |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | LA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115672 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-03-09): Received Fraud Report. Exception
cleared. Seller Comment (2026-03-09): Comment from XXXX (XXXX): fraud report |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000115672 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000114827 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement document not provided in file | Reviewer Comment (2026-03-12): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX.): Please see attached doc audit report that includes econsent. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114827 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-05): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000114827 | XXXXXX | XXXXXX | 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 within 3 business days prior to consummation. | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117174 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-03-06): Accepted as is per client. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117671 | XXXXXX | XXXXXX | 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 (2026-03-06): Accepted as is. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114725 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-09): Accepted as is |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115027 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-06): Accepted as is per client. |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000118971 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-03-10): Received, Clearing. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see attached title commitment and Closing protection letter. The final title insurance won't be available until the mortgage is recorded. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118971 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is Missing. | Reviewer Comment (2026-03-10): Received, Clearing. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see attached title commitment and Closing protection letter. The final title policy won't be available until the mortgage is recorded. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118995 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118472 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000115876 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115876 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115876 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000117926 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116490 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXdoes not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117681 | XXXXXX | XXXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117681 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116236 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Right to Cancel was not provided. | Reviewer Comment (2026-03-09): After further review, exception
has been cleared. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): This is a new construction loan, not subject to 3-day rescission |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | C | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116236 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-12): Comment from XXXX (XXXX): FINAL INSPECTION |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119609 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-10): Clearing based on review coming
back within tolerances. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| XXXXXX | 4000119609 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Address: XXXX | Vacation Rental Income Statement is missing | Reviewer Comment (2026-03-10): Received Rent Ledgers for all 4
units of XXXX. Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Rent ledgers for all 4 units attached (not an XXXX/STR property). |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000119609 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: XXXX | Tax Certificate is missing. | Reviewer Comment (2026-03-10): Received Tax Verification forXXXX
. Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Please see pages 1 & 2 of the attached PDF for the taxes on XXXX. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | 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 $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval document not provided in file | Reviewer Comment (2026-03-10): Received Approval. Exception
cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX.): Please see attached |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-03-12): Additional Bank Account
Statements provided. Cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): Please see attached, two months statements for new business account (XXXX), CPA letter stating borrower is XXXX% owner and revised 1003 with account added to VOD and XXXX% of balance used. This should put us over the required reserve amount. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-12): Additional Bank Account
Statements provided. Cleared. |
03/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116122 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-12): Additional Bank Account
Statements provided. Cleared. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000112301 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated provided | Reviewer Comment (2025-10-27): Final HUD received Buyer Comment (2025-10-23): final SS |
10/27/2025 | 1 | D | A | D | A | D | A | D | A | D | A | NM | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112301 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Lender used lease amount, however 2 months of rent or one month rent and security deposited was not provided. Missing one month rent payment or one month security deposit. | Reviewer Comment (2025-10-31): Evidence of 1st month rent and
security received. DSCR meets
guideline requirements. Reviewer Comment (2025-10-31): Lease rent is $XXXX per month and lease reflects $XXXX security deposit. Total deposits provided are $XXXX. Need evidence of security deposit or second full months' rent to utilize higher lease amount. Buyer Comment (2025-10-29): D0182 reports XXXX $XXXX and XXXX $XXXX Reviewer Comment (2025-10-27): If using security deposit, proof of first month's rent is also required. Buyer Comment (2025-10-27): $XXXX security deposit |
10/31/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000111986 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing complete 12 months bank statements to confirm primary rental history. 10 months verified rent to father with bank statements in file. | Reviewer Comment (2025-11-13): Received 12 months bank
statements. Exception Cleared Buyer Comment (2025-11-13): See attached documentation |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | D | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000111986 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | SitusAMC | Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112254 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW income worksheet for the asset utilization. Additional conditions may apply. | Reviewer Comment (2025-11-13): Received UW income worksheet.
Exception Cleared. Buyer Comment (2025-11-13): DSCR calc |
11/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112254 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112274 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrowers made a down payment from their own funds on this
purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | NY | Investment | Purchase | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112259 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112272 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing prior primary rent verification for November & December XXXX to complete XXXX month verification. | Reviewer Comment (2025-11-19): Lease, LOX and evidence of paid
rent. Buyer Comment (2025-11-17): Please find proof of previous rental payment from Borrowers XXXX acct & loe from Borrower explaining what exactly was paid to landlord's LLC. Thank you. Buyer Comment (2025-11-17): Please find previous rental lease & LLC. ownership confirmation. Thank you. |
11/19/2025 | 1 | C | A | C | A | C | A | C | A | D | A | WV | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112272 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | WV | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112300 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the borrowers Closing Statement fully executed by the borrower or stamped true and certified with signature/initials from title representative. Copy provided is an estimated closing statement. | Reviewer Comment (2025-12-26): Received Closing Statement is for
subject property. Exception Cleared. Buyer Comment (2025-12-23): final SS |
12/26/2025 | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112300 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-13): Client exception received. |
03/13/2026 | 2 | B | B | B | B | B | OR | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 6000112215 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | XXXX was not provided in this loan file | Reviewer Comment (2026-01-07): Received 1004D/442 in the file.
Exception Cleared. Buyer Comment (2026-01-05): 1004D |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXXX | 6000109226 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. | Reviewer Comment (2026-01-26): Final HUD. Buyer Comment (2026-01-22): Please see attached Final SS |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000109226 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Appraisal invoice required when the appraisal is not in the Lender's name. Missing the invoice. | Reviewer Comment (2026-02-18): Updated FSS and appraisal invoice
received. Buyer Comment (2026-02-18): Please see attached Buyer Comment (2026-02-18): FSS submitted reflects an appraisal fee of $XXXX Reviewer Comment (2026-01-29): Provided appraisal invoice is in the amount of $XXXX. Final HUD reflects appraisal fee of $XXXX paid by the borrower. Exception remains. Buyer Comment (2026-01-27): XXXX-Please see attached Buyer Comment (2026-01-27): Please see attached |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112132 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Unable to verify XXXX months of rent receipt for the subject property. | Reviewer Comment (2026-02-20): Received Rent Receipt. Exception
Cleared Buyer Comment (2026-02-18): wire transfer Reviewer Comment (2026-02-16): The bank statement reflects three deposits of $XXXX each; based on the information available, we are unable to verify that these funds represent rental payments or that they were received from the tenant. Exception remains. Buyer Comment (2026-02-12): rent payments |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112183 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | The Non-Owner Occupancy Declaration is incomplete as Section XXXX is missing the principal residence address. | Reviewer Comment (2026-01-28): Received Non-Owner Occupancy
Declaration with Section 4A is reflecting the principal residence address.
Exception Cleared. Buyer Comment (2026-01-26): Non-Owner |
01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112164 | XXXXXX | XXXXXX | 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 TX Guaranty Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded. | Reviewer Comment (2026-02-12): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-11): Updated Letter to borrower reflecting correct refund amount of $XXXX. Reviewer Comment (2026-02-11): XXXX received LOE to borrower, Copy of Refund Check, proof of mailing, Corrected CD however, the LOE provided states the cure of $XXXX was provided but as per check and CD only $XXXX cure was provided towards TX Guarantee fee. Please provide corrected LOE to borrower to cure this exception. Buyer Comment (2026-02-10): See attached cure docs |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000112164 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-24): CDFI lender testing ATR. Buyer Comment (2026-02-23): Please waive. |
02/24/2026 | 2 | A | A | A | A | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000112157 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide a XXXX month pay history for the primary residence. Fraud and Property reports both indicate a mortgage on the property. | Reviewer Comment (2026-01-30): As per credit report and property
history report mortgage is paid off on XXXX for the primary residence.
Exception Cleared. Buyer Comment (2026-01-28): D0127 reports the mtg was released |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112057 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-22): CDFI lender testing ATR. |
02/22/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000112227 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 document not provided. | Reviewer Comment (2026-02-11): Received Final 1003 of borrower,
information validated. Exception Cleared. Buyer Comment (2026-02-09): cert Buyer Comment (2026-02-09): 1003 Reviewer Comment (2026-02-06): The final 1003 received is in XXXX. The English version is required, and the borrower's signature is missing. Exception remains. Buyer Comment (2026-02-04): Final 1003 |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000112227 | XXXXXX | XXXXXX | 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 ofXXXXexceeds tolerance of XXXXplus XXXX% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-30): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000112227 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient to cover loan amount and estimated cost new. | Reviewer Comment (2026-02-06): Received RCE. Exception
Cleared Reviewer Comment (2026-02-06): The hazard insurance coverage is insufficient and is less than the required rebuild cost or loan amount. Exception remains. Buyer Comment (2026-02-04): RCE |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000112227 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-22): CDFI lender testing ATR. |
02/22/2026 | 2 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000112134 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Reviewer Comment (2026-02-06): Received CPA letter evidencing
there is not affiliation with the borrower or the business. Exception
cleared. Buyer Comment (2026-02-04): LOE from tax professional. Thank you. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112125 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide OFAC for the borrowing Trust. | Reviewer Comment (2026-02-05): OFAC for the borrowing Trust
received and verified the details. Exception Cleared. Buyer Comment (2026-02-03): fraud |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112130 | XXXXXX | XXXXXX | 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 XXXXexceeds tolerance of XXXX plus XXXX% or XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Recording fee amount ofXXXX loan estimate and on closing disclosure XXXX exceeds tolerance of XXXX plusXXXX% or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-16): XXXX received valid COC dated
XXXX Buyer Comment (2026-02-13): please see Reviewer Comment (2026-02-13): XXXX Only recording fee considered under XXXX% tolerance. Recording fee increased on CD dated XXXX and XXXX 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 (2026-02-12): all the title fees are in section C, as the borrower did not choose service provider as per the SSPL, section C has unlimited tolerance |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000112130 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide evidence that the CPA has no affiliation with the borrower or the business. | Reviewer Comment (2026-02-12): CPA letter doc ID D0316 is
reflecting verbiage not affiliate with the XXXX". Exception cleared. Buyer Comment (2026-02-10): attestation |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000112130 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Borrower's Employment Authorization has expired. Please provide a revised copy. | Reviewer Comment (2026-02-12): Document received verifying
borrower Immigration. Exception cleared Buyer Comment (2026-02-10): I-797 |
02/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000112130 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-02-16): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXXX | 6000112130 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-23): CDFI lender testing ATR. |
02/23/2026 | 2 | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000112068 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-02-09): Final Hud document received.
Exception cleared. Buyer Comment (2026-02-05): Final SS |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112287 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Provide a current Certificate of Good Standing. Copy provided is over 90 days old. | Reviewer Comment (2026-02-06): Received Certificate of Good
Standing. Exception Cleared. Buyer Comment (2026-02-04): Cogs |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112149 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-23): CDFI lender testing ATR. |
02/23/2026 | 2 | A | A | A | A | A | AZ | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Reviewer Comment (2026-02-16): Employment Authorization
received. Buyer Comment (2026-02-12): EAD |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Reviewer Comment (2026-02-16): Access to Fund, Bank Statement
and Verification of deposit received. Buyer Comment (2026-02-12): Borrower owns XXXX% of business |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-02-16): Employment Authorization
received. Buyer Comment (2026-02-12): see attached EAD |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Reviewer Comment (2026-02-16): Signed gift letter received. Buyer Comment (2026-02-12): gift letter |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | 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 (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least tXXXX business days prior to closing. | Reviewer Comment (2026-02-12): XXXX received initial CD. Buyer Comment (2026-02-11): Please see attached |
02/12/2026 | 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 | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing gift letter. | Reviewer Comment (2026-02-16): Signed gift letter received. Buyer Comment (2026-02-12): see attached gift letter |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000111989 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-23): CDFI lender testing ATR. |
02/23/2026 | 2 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000112039 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | The Certificate of Non-Owner Occupied does not show the borrower primary residence. | Reviewer Comment (2026-02-09): Received Non-Owner occupancy
certificate with address. Exception Cleared. Buyer Comment (2026-02-05): Non-Owner |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112039 | XXXXXX | XXXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Minimum FICO XXXX for First time investors. | Reviewer Comment (2026-02-09): Per Fraud Report borrower owned
XXXX investment property since XXXX. Exception Cleared. Buyer Comment (2026-02-05): bwr owned XXXX since 2023 per fraud report. Not considered first time investor. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112168 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing primary housing history prior to July XXXX. | Reviewer Comment (2026-02-10): Credit Report reflects 44 months
of mortgage history with XXXX. Exception Cleared. Buyer Comment (2026-02-06): Please see credit report page #2 with 44mths of mtg history with XXXX. Thank you. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112168 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing rent free exception. | Reviewer Comment (2026-02-10): Received 1008 with UW Discretion.
Exception Cleared. Buyer Comment (2026-02-06): Rent free comments on 1008 from Underwriter. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112122 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Provide a Certificate of Good Standing dated withinXXXX days of the Note date. | Reviewer Comment (2026-02-10): Received Certificate of Good
Standing. Exception Cleared. Buyer Comment (2026-02-06): Please accept in place of the cert of good standing as document reflects the same information. Thank you. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112086 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated Provided | Reviewer Comment (2026-02-10): Received stamped final closing
statement. Exception cleared Buyer Comment (2026-02-06): Please see final stamped HUD-1 attached. Thank you. |
02/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112086 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW discretion required for borrower living rent free with non spouse. | Reviewer Comment (2026-02-10): Received UW discretion for
borrower living rent free. Exception cleared. Buyer Comment (2026-02-06): UW 1008 with rent free comments attached. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112089 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide verification of the April and May payment in the amount of XXXXfor the subject property. | Reviewer Comment (2026-02-10): Per provided email confirmation
from private lender, first payment was due in the month of XXXX. Received all
the payment receipts from XXXX till XXXX. Exception cleared. Buyer Comment (2026-02-06): Additional May payment Buyer Comment (2026-02-06): May payment Buyer Comment (2026-02-06): email regarding May payment Buyer Comment (2026-02-06): email from Private note holder stating first payment was due XXXX |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112113 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Reviewer Comment (2026-02-11): Received Non-Owner occupancy
certificate with address. Exception Cleared. Buyer Comment (2026-02-09): Non-Owner |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000112113 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2026-02-11): Received Tax Certificate.
Exception Cleared. Buyer Comment (2026-02-09): tax cert |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000112071 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing credit exception. | Reviewer Comment (2026-02-16): Received 1008 with underwriter's
comment. Exception Cleared. Buyer Comment (2026-02-12): Please see attached underwriters 1008 with rent free commentary. Thank you. |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112071 | XXXXXX | XXXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Appraisal reflects property listed for sale. File is missing MLS cancellation. | Reviewer Comment (2026-02-16): Received MLS cancellation.
Exception Cleared. Buyer Comment (2026-02-12): Please see page #4 of Redfin website removed off market XXXX. Thank you. |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112004 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated Provided | Reviewer Comment (2026-02-16): Received Final Closing Statement
in the file. Exception Cleared. Buyer Comment (2026-02-12): Final SS |
02/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112147 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Alerts summary only provided. Provide full fraud report | Reviewer Comment (2026-02-12): Received fraud report. Exception
cleared. Buyer Comment (2026-02-10): Please find the initial & final fraud guards. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112147 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated Provided | Reviewer Comment (2026-02-12): Received certified final closing
statement. Exception cleared. Buyer Comment (2026-02-10): Final HUD-1 attached. |
02/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112147 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provide a full Fraud Report. | Reviewer Comment (2026-02-12): Received fraud report. Exception
cleared. Buyer Comment (2026-02-10): Initial & final fraud guards attached. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000112143 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. | Reviewer Comment (2026-02-16): Received 1008 UW discretion.
Exception Cleared. Buyer Comment (2026-02-12): UW discretion |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112079 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-02-16): Received Final Closing statement.
Exception Cleared. Buyer Comment (2026-02-12): Please find final fully executed HUD-1 attached. Thank you. |
02/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112145 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided | Reviewer Comment (2026-02-17): Received Appraisal Invoice in the
file. Exception Cleared. Buyer Comment (2026-02-13): appraisal invoice |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000112145 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence the subject property was not listed at time of closing. Appraisal states the property was listed within the past XXXX months. | Reviewer Comment (2026-02-24): As per appraisal there is comment
added stating property has not been listed for sale over the past XXXX months
and the same is verified from Zillow. Exception Cleared. Buyer Comment (2026-02-20): per zillow property has not been listed for sale. Buyer Comment (2026-02-20): zillow |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112298 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing complete XXXX month VOM for primary residence. Credit report reflects last payment date of XXXX. Mortgage statements were provided reflecting XXXXand XXXXpayments. File is missing evidence of theXXXX payment on the primary residence. | Reviewer Comment (2026-02-20): Received XXXX Mortgage statement
for the primary residence. Exception Cleared. Buyer Comment (2026-02-18): program permits XXXX with no reduction. Buyer Comment (2026-02-18): Aug payment |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112257 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Tax liens are required to be paid off. | Reviewer Comment (2026-02-19): Received confirmation of lien has
been released. Exception Cleared. Buyer Comment (2026-02-17): Please see the attached confirmation lien paid. Thank you. |
02/19/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000112257 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing UW discretion for living with someone rent free, other than spouse. | Reviewer Comment (2026-02-19): Received UW discretion in the
file for borrower living rent free with someone. Exception Cleared. Buyer Comment (2026-02-17): Please see underwriters 1008 with rent free comments. |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112257 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client elects to waive with
compensating factors |
03/13/2026 | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXXX | 4000117029 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117029 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires XXXX. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118172 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118530 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117336 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-03-11): Received, Clearing. Seller Comment (2026-03-11): Comment from XXXX (XXXX): We had already included a post CD in the closing package showing that the amount is covered. We are sending the post CD again. We would appreciate it if you could review it once more. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000117336 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117336 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117336 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000117816 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117816 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max for a declining market at .XXXXDSCR is XXXX% | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-31): Client exception received. Seller Comment (2026-03-31): Comment from XXXX (XXXX): XXXX - XXXX: Please see the attached exception from XXXX Reviewer Comment (2026-03-16): As per XXXX - Investor Flex XXXX, borrower is eligible for a maximum LTV of XXXX% with a FICO score of XXXX when the DSCR is ≥ XXXX. However if the subject property is located in a declining market, Max LTV reduction of XXXX% is required. Exception remains. Buyer Comment (2026-03-13): Comment from XXXX (XXXX): XXXX - XXXX: XXXX acknowledges that the LTV was not reduced by XXXX%. However we believe the file still meets investment quality per the following compensating factors: 1.) Though the file closed with an LTV of XXXX%, the borrower would have still meet the minimum FICO and DSCR requirements for an LTV of XXXX% 2. FICO = XXXX 3. No mortgage lates, past due accounts, or derogatory events reporting on credit. |
03/31/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 4000114695 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000114695 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file) | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000114695 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXXX | 4000115696 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-11): Clearing based on review coming
back within tolerances. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000115696 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXand does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000115696 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Loan is to be securitized. Secondary valuation is missing. | Reviewer Comment (2026-03-10): Received UCDP Submission Summary
Report with CU score of 1. Hence, secondary valuation is not required.
Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX.): SSR |
03/10/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000113311 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000112436 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-03-12): XXXX received COC dated XXXX Seller Comment (2026-03-11): Comment from XXXX (XXXX): Lender Credit - $XXXX vs. $XXXX - Attachment - Sub4LenderCredit - Includes: COC CD, COC form, Tracking (was not signed) lock forms to support price change. |
03/12/2026 | 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 | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000112436 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (XXXX) business days from transaction date of XXXX. | Reviewer Comment (2026-03-12): Accurate material disclosures
received on CD signed XXXX. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Actual closing date was XXXX, not XXXX. Providing executed Note and Mortgage. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000112436 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment (2026-03-12): Accurate material disclosures
received on CD signed XXXX. Seller Comment (2026-03-11): Comment from XXXX (XXXX): the attached NORTC + Actual Closing Date attachment |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000112436 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXXin business name (not individual.) No transcripts provided. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-10): Client elected to waive/regrade
with compensating factors. Lender
exception provided. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000118305 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117105 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117105 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-03-19): Received Legal Description.
Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX: Please see the attached // |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118493 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115869 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXXdoes not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-12): Client elects to waive |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115869 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in file. | Reviewer Comment (2026-03-15): Fraud Report received. Exception
cleared. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Hello, please see attached. |
03/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115869 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in file. | Reviewer Comment (2026-03-15): Fraud Report received. Exception
cleared. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Hello, please see attached. |
03/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115869 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000115869 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXXX | 4000116950 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | Missing documentation to verify $XXXX in proceeds from secured loan that are included in assets for closing and reserves. | Reviewer Comment (2026-03-11): Received closing Statement and
Note Exception Cleated. Seller Comment (2026-03-11): Comment from XXXX (XXXX): refinance docs for cash to close |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116950 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): CDA |
03/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CO | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXXX | 4000116950 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118005 | XXXXXX | XXXXXX | 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 ofXXXXexceeds tolerance of XXXX Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-16): XXXX received a valid COC. Seller Comment (2026-03-12): Comment from XXXX (XXXX): COC LE |
03/16/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118106 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-11): Accepted as is. Seller Comment (2026-03-11): Comment from XXXX(XXXX): Supplemental Lender Proposed Provided. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000120084 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant withinXXXXbusiness days prior to consummation. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NM | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000120417 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Appraisal report required for departure residence pending sale in order to exclude taxes and insurance. | Reviewer Comment (2026-03-26): Received Lender Exception Form
confirming that the exception is approved . Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): Please see attached approved exception to utilize the property profile report. Reviewer Comment (2026-03-18): Equity in the departure residence must be documented with a XXXX exterior appraisal or full appraisal. If the departure residence is listed or under contract for sale please provide appropriate documentation in lieu of an appraisal. Seller Comment (2026-03-18): Comment from XXXX (XXXX.): NO APPRAISAL IS NEEDED PER GUIDELINES Reviewer Comment (2026-03-16): Equity in the departure residence must be documented with a XXXX exterior appraisal or full appraisal. Exception remains. Seller Comment (2026-03-13): Comment from XXXX (XXXX.): Please see attached PITIA docs for XXXX |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118582 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD is not provided in the file. | Reviewer Comment (2026-03-27): Received, Clearing. Seller Comment (2026-03-27): Comment from XXXX (XXXX.): ALTA Reviewer Comment (2026-03-24): A HUD/Closing statement is required for final fees review. Buyer Comment (2026-03-23): Comment from XXXX (XXXX.): DSCR loans do not have a CD/HUD. Please escalate |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118811 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118811 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation in the loan file indicate there is a lender exception on the loan that was conditionally approved for the private VOR. Provide Lender exception form. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-12): Client elected to waive/regrade
with compensating factors. Lender exception provided. Seller Comment (2026-03-12): Comment from XXXX (XXXX.): Please see attached XXXX Exception Approval |
03/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000114727 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 2000000370 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-10): Accepted as is. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000370 | XXXXXX | XXXXXX | 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 ofXXXX exceeds tolerance of XXXX plus XXXX% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure provided at Closing. | Reviewer Comment (2026-03-10): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000370 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for bank statement reflecting NSF transfers but no NSF fee actual overdraft, with -XXXXLPA and with compensating factorXXXX% LTV, XXXX FICO andXXXX months reserves | Borrower has been employed in the same industry for more than 5
years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-10): Client elects to waive/regrade
with compensating factors. |
03/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000117897 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117183 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Trust Documents to verify access to funds were not provided. | Reviewer Comment (2026-03-19): Received Trust Agreement.
Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): TRUST AGREEMENT Reviewer Comment (2026-03-18): Account in the name Trust - XXXX XXXX. Required Trust Agreement. Exception remains. Seller Comment (2026-03-18): Comment from XXXX (XXXX): The EMD is actually from the borrower's personal funds. The funds originated from the borrower's XXXX and XXXX, then transferred into XXXX, from which the EMD was withdrawn. Although the EMD withdrawn account is a trust account, the transaction history clearly shows the true source is the borrower's personal funds. Please waive the trust document condition. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117183 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115852 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115852 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title Policy is within XXXXor XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115852 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118670 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000118670 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116909 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117404 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117156 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Incomplete Fraud Report provided in file. | Reviewer Comment (2026-03-12): Received complete Fraud Report.
Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): Fraud report |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117156 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000116901 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119538 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. Reviewer Comment (2026-03-17): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-03-17): Comment from XXXX (XXXX.): Is there anything additional needed from us to clear this condition? |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 4000119538 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000119538 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account | Reviewer Comment (2026-03-24): Letter of Explanation &
Corrected Closing Disclosure received Seller Comment (2026-03-24): Comment from XXXX (XXXX.): PCCD LOE Attached. Reviewer Comment (2026-03-20): XXXX Received Corrected PCCD and LOE; however, provided LOE does not specify the changes made on PCCD related to escrow account section on page 04. Seller Comment (2026-03-18): Comment from XXXX (XXXX.): LOE Reviewer Comment (2026-03-18): XXXX received PCCD. Missing LOE to borrower. Seller Comment (2026-03-17): Comment from XXXX (XXXX.): CD attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000117203 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117203 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXXexceeds tolerance of XXXXplus XXXX or XXXX XXXX over legal limit. Insufficient or no cure was provided to the borrower. (0) | Reviewer Comment (2026-03-27): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-26): Comment from XXXX (XXXX): PCCD WITH EVIDENCE OF DELIVERY |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000117203 | XXXXXX | XXXXXX | 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 XXXXexceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXXover legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Reviewer Comment (2026-03-24): Sufficient cure provided. Full
cure amount for tolerance violation was provided at or before closing (on
final CD) resulting in a cleared exception. Seller Comment (2026-03-23): Comment from XXXX (XXXX): CURE FOR APPRAISAL |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118903 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000116238 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118913 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three XXXX business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000118913 | XXXXXX | XXXXXX | 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 Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000115868 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116157 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115289 | XXXXXX | XXXXXX | 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 XXXXexceeds tolerance ofXXXX XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. | Reviewer Comment (2026-03-23): XXXX received a valid COC. Seller Comment (2026-03-20): Comment from XXXX (XXXX): The COC showing change in transfer tax Reviewer Comment (2026-03-20): XXXX received CD dated XXXX along with COC.However, the fee increased on LE dated XXXX for $XXXX. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copoy of refund check and proof of mailing. Seller Comment (2026-03-18): Comment from XXXX (XXXX): CD Showing CC for transfer tax to XXXX Reviewer Comment (2026-03-18): XXXX acknowledged that the below comment. However, file does not contain valid COC for the fee increased on XXXX LE from $XXXX to $XXXX. Hence, per baseline the fee was exceeds from $XXXX to $XXXX. Provide valid COC for the fee increased on XXXX LE or Cure would be due to borrower. Seller Comment (2026-03-16): Comment from XXXX (XXXX): The Transfer tax on the CD dated XXXX was disclosed for $XXXX, and went down at closing to $XXXX Please advise thank you |
03/23/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000115289 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance and Tax cert is missing for property XXXX | Reviewer Comment (2026-03-16): Cleared subject is a coop
maintenance dues provided Seller Comment (2026-03-16): Comment from XXXX (XXXX): attached isa Bill from servicing company XXXX showing monthly pymnts for ins & Maint/Taxes . Unit is owned free & clear |
03/16/2026 | 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 | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115289 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Condominium will only give the master insurance for the subject property building coverage to show the buidling is compliant with FNMA guidelines | Borrower has been employed in the same industry for more than 5
years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/16/2026 | 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 | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000118489 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118489 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118784 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117644 | XXXXXX | XXXXXX | 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 ofXXXX is less than the note amount ofXXXX based on the Commitment in file. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119004 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000114445 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | XXXX Originated Loan submitted as Non Exempt | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114445 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXXSubprime Loan: Counseling Disclosure not provided to borrower. | XXXX Subprime Counseling Disclosure is missing | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000114445 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | XXXX Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | XXXX Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114445 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | XXXXSubprime Loan: APR on subject loan of XXXX or Final Disclosure APR ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX, orXXXX. Non-Compliant SubPrime Loan. | XXXXSubprime Loan: APR on subject loan of XXXX or Final Disclosure APR of XXXXis in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX, or XXXX Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000119034 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118773 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD is missing | Reviewer Comment (2026-03-17): Received, Clearing. Seller Comment (2026-03-16): Comment from XXXX (XXXX.): See attached |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118757 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider -XXXXFamily is missing in the loan package. | Reviewer Comment (2026-03-19): Received Rider - 1-4 Family.
Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX RF please see attached rider, please clear thank you |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118757 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Provided Security Instrument is not signed by the borrower. please provide the Security Instrument with the notary date and initials of the borrower. | Reviewer Comment (2026-03-19): Received Security Instrument -
Subject Lien. Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX: Please see the attached // Reviewer Comment (2026-03-17): Security Instrument available in the file is not signed, and is missing Notary Acknowledgement. Please provide signed copy of Security Instrument with Notary Acknowledgement. Exception remains. Buyer Comment (2026-03-17): Comment from XXXX (XXXX): XXXX: Because the borrower signed the promissory note as both individual and sole member of the XXXX, XXXX doesn't require them to sign the instrument as both individual and entity. Their signature on the promissory note obligates them, as individual, to pay in the event that the LLC does not |
03/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118905 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119705 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations RuleXXXX: Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three XXXX) business days of application or determination of first lien status. | ECOA Valuations Rule (XXXX: Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX business days of application or determination of first lien status. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119705 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Hazard Insurance is missing for REO Property XXXX | Reviewer Comment (2026-03-23): First payment letter from new
transaction received which confirms payment amount includes taxes and
insurance Reviewer Comment (2026-03-16): As per First Payment Letter received, monthly PITI of $XXXX is inclusive of taxes and insurance. As per Letter of explanation available in the file, there is no HOA for the property. However, as per Final 1003, monthly insurance, taxes, association dues etc of $XXXX for the property XXXX is included in DTI. Please provide supporting document for monthly payment of $XXXX. Exception remains. Seller Comment (2026-03-16): Comment from XXXX(XXXX): Payment letter provided by mortgage company confirms payment is PITI |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119705 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to Waive the required bank statements to support P&L statement. Comp factors FICO XXXX, DTI below XXXX months reserves and XXXX monthly residual income. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client elects to waive/regrade
with compensating factors. |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000117949 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000117016 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117016 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000409 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is an incomplete lender exception in the loan for ADU for aXXXX unit property, which reflects conditioned approved. Provide complete lender exception form. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client elects to waive with
compensating factors Buyer Comment (2026-03-13): Exception |
03/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 2000000409 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is an incomplete lender exception form in the loan which reflects approved for FICO below XXXX. Provide complete lender exception form. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-13): Client elects to waive with
compensating factors Buyer Comment (2026-03-13): Exception |
03/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000120827 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide unexpired identification documentation in relation to the borrower's non-permanent resident status. | Reviewer Comment (2026-03-13): E2 Visa and IXXXX received Seller Comment (2026-03-13): Comment from XXXX (XXXX): Please see the borrower's XXXX visa with XXXX. Both show that the borrower can admit until XXXX. |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117726 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided onXXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided onXXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120820 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX is in excess of allowable threshold of Prime Mortgage Market RateXXXX + XXXX, or XXXX. Non-Compliant SubPrime Loan. | New York Subprime Loan: APR on subject loan ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX, orXXXX. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120820 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120818 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Disclosure not provided to borrower at the time of application, but within three days of application. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000120818 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Compliant | New York Subprime Loan: APR on subject loan ofXXXXis in excess of allowable threshold of Prime Mortgage Market RateXXXX + XXXX, orXXXX. Compliant SubPrime Loan. | APR on subject loan of XXXX is in excess of allowable threshold of Prime Mortgage Market RateXXXX+ XXXX, orXXXX. Compliant SubPrime Loan. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXXor Final Disclosure APR ofXXXXis equal to or greater than the threshold of APOR XXXX+ XXXX, orXXXX. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX or Final Disclosure APR of XXXXis equal to or greater than the threshold of APOR XXXX+XXXX, or XXXX. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-25): Loan is HPML Complaint Buyer Comment (2026-03-25): Comment from XXXX (XXXX): What is needed to clear this condition? |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule XXXX): Flipped Property - Creditor improperly charged consumer for two (XXXX) appraisals. | The property was last sold a little over XXXX days ago for XXXX and completed gutted and renovated. Now it is being sold for XXXX. This is a XXXX increase. The failures for flip are valid, because the seller is supposed to pay for the required second appraisal. | Reviewer Comment (2026-03-24): Cure documentation provided.
Cured. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Docs for second appraisal fee cure |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan ofXXXX or Final Disclosure APR ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX, or XXXX. Non-Compliant SubPrime Loan. | APR on subject loan of XXXXor Final Disclosure APR ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX, or XXXX Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114410 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (XXXX): Appraisal not obtained prior to consummation. | Appraisal, Desk Review, not obtained prior to consummation. | Reviewer Comment (2026-03-19): Received, Clearing. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Second appraisal provided is dated XXXX, closing date is XXXX Reviewer Comment (2026-03-17): First appraisal was received prior to closing however second appraisal was completed post closing Seller Comment (2026-03-17): Comment from XXXX (XXXX): 2nd appraisal dated XXXX |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000118488 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118488 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 1003 Initial - Lender's is missing. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of Rent (VOR) is missing for XXXX | Reviewer Comment (2026-03-18): Not required per guides. Buyer Comment (2026-03-18): Comment from XXXX (XXXX): not required for file |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing for subject property. | Reviewer Comment (2026-03-18): HOI Policy provided. Cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule XXXX): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule XXXX: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | 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 ofXXXX exceeds tolerance of XXXX plus XXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | DE | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 4000114376 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000112116 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000112116 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000112116 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXXdisclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed byXXXXcompared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Calculation are based on Closing Disclosure dated XXXX). | Reviewer Comment (2026-03-31): XXXX received PCCD, LOE, Copy of
Refund Check and Proof of Mailing. Buyer Comment (2026-03-30): Comment from XXXX (XXXX): XXXX tracking shows delivered XXXX Reviewer Comment (2026-03-27): XXXX received Specific LOE to borrower explaining violation and cure for finance charge, copy of cure refund check and proof of mailing. The XXXX tracking does not reflect that the carrier has picked up the package. Please provide proof when package picked up by carrier to finalize cure. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-03-20): Fees included in XXXX finance charge calculation include: Flood Cert $XXXX, Loan Origination fee $XXXX, Underwriting fee $XXXX, Tax Service $XXXX, Title-Closing Fee $XXXX & Title-Settlement $XXXX, Title-CPL $XXXX, Title-Filing Fee $XXXX, Title-Notice of Settlement $XXXX, Title-Overnight fee $XXXX, Title-Post Closing Contin $XXXX, Title-Title Transaction $XXXX and prepaid Interest $XXXX. Unable to determine lender's calculations. Any fee that lender may not agree, XXXX shold be provided a lender's attestation giving trhe specifric services & purpose of the fee to determine if not a finance charge. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Please list finance charges in calculations |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112116 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on pageXXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXXwhich exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Calculation are based on Closing Disclosure dated XXXX). | Reviewer Comment (2026-03-31): XXXX received PCCD, LOE, Copy of
Refund Check and Proof of Mailing. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX or Final Disclosure APR ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX +XXXX, or XXXX. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX or Final Disclosure APR of XXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX, orXXXX. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | 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 - Abstract / Title Search. Fee Amount of XXXX exceeds tolerance of XXXX. XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of XXXX exceeds tolerance of XXXX | Reviewer Comment (2026-03-19): XXXX the fees are within
tolerance limit. Buyer Comment (2026-03-18): Comment from XXXX (XXXX): Title Payee is not listed on SSPL and title fee didn't appear on Section B, therefore this is not subject to fee tolerance |
03/19/2026 | 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 | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of XXXX exceeds tolerance of XXXX. | Reviewer Comment (2026-03-19): XXXX the fees are within
tolerance limit. Buyer Comment (2026-03-18): Comment from XXXX (XXXX): Title Payee is not listed on SSPL and title fee didn't appear on Section B, therefore this is not subject to fee tolerance |
03/19/2026 | 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 | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000112975 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000115260 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115260 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is missing in file. | Reviewer Comment (2026-03-18): Received Purchase Contract.
Exception cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Please see attached |
03/18/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX or Final Disclosure APR ofXXXXis in excess of allowable threshold of Prime Mortgage Market RateXXXX + XXXX, or XXXX. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plusXXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-23): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-19): Comment from XXXX (XXXX: Please see attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114372 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000111651 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000111651 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plusXXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||||
| XXXXXX | 4000117996 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-03-18): E-sign Consent Agreement is
missing. Seller Comment (2026-03-18): Comment from XXXX (XXXX): eConsent |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114368 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (XXXX) | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000114368 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114368 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plusXXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000114368 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXXplus XXXX orXXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided for the increase in 10% tolerance fees. Exception will be revisited once all other tolerance violations are addressed. | Reviewer Comment (2026-03-19): Sufficient cure provided. Full
cure amount for tolerance violation was provided at or before closing (on
final CD) resulting in a cleared exception. Seller Comment (2026-03-18): Comment from XXXX (XXXX): there is a cure on the Final CD regarding recording fee increase |
03/19/2026 | 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 | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114368 | XXXXXX | XXXXXX | 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 ofXXXX exceeds tolerance of XXXX. XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure provided for addition of second appraisal fee and no valid COC in the file. | Reviewer Comment (2026-03-25): XXXX received email confirmation
for receipt of CDA to lender and as per COC in file. Seller Comment (2026-03-24): Comment from XXXX (XXXX): CDA received by us XXXX (please see attached email confirmation), second appraisal fee disclosed on XXXX CD COC Reviewer Comment (2026-03-23): XXXX received rebuttal comment. However, the CDA provided in the loan file with indeterminate value completed on XXXX. but the 2nd appraisal fee was disclosed on XXXXCD. This is outside of the required three-day timeline for notification of borrower. Cure is required. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): CDA lists value indeterminate which required second appraisal. second appraisal fee was disclosed to borrower on CD COC issued XXXX. please advise if additional docs are needed to clear |
03/25/2026 | 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 | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116878 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116878 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116878 | XXXXXX | XXXXXX | 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 XXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000116103 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120819 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | DE | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000120819 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXXor XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXXplus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-04-01): XXXX received PCCD, LOE, proof of
mailing & copy of refund check. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Attached cure docs and shipping label Reviewer Comment (2026-03-23): XXXX Received COC states increased in loan amount is not a valid reason for increased recording fees. Provide additional information as to how does increase loan amount affects recording fee or provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): LE provided shows the previous loan amount on XXXX and COC CD dated XXXX reflects the loan amount change to $XXXX for valid reason of recording fee. Reviewer Comment (2026-03-20): XXXX received Changed Circumstance dated XXXX, 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 fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. " Seller Comment (2026-03-19): Comment from XXXX (XXXX): COC CD with loan amount change |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | DE | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000117701 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000117701 | XXXXXX | XXXXXX | 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 Re-Issue Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXXX | 4000117701 | XXXXXX | XXXXXX | 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 Re-Issue Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure provided for addition in credit report re-issue fee. No valid COC provided | Reviewer Comment (2026-03-30): XXXX Received Valid COC dated
XXXX along with borrower requested rescore disclosure. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Borrower requested rescore to reflect changes to FICO. Attached is signed disclosure Reviewer Comment (2026-03-19): XXXX: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the Credit rescore fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the rescore fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-03-17): Comment from XXXX (XXXX): COC LE XXXX and rescore invoice. Final CD has cure for $XXXX difference |
03/30/2026 | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000114453 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000114453 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000117214 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide rent loss insurance covering 6 months of rental value. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Attached rent insurance |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118070 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118070 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXXLTV with a 5% internal exception (maxXXXX) XXXX Elite guideline XXXX vs Expanded Prime plus XXXX Lender exception approved. Comp Factors: FICO XXXX, Reserves over XXXX months, Residual income over XXXX | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-17): Client elects to waive/regrade
with compensating factors. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000116181 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116181 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116181 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX or Final Disclosure APR of XXXXis in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX or XXXX. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX or Final Disclosure APR of XXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX +XXXX, or XXXX Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116818 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXX REO property addresses missing Insurance Verification, Tax Verification document | Reviewer Comment (2026-03-17): Received Tax verification and
Letter of Explanation confirms that the property has no active lien and is
owned free and clear. Hence it has no insurance. Exception cleared. Seller Comment (2026-03-17): Comment from XXXX (XXXX): REO docs for XXXX property |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provided Hazard Insurance document for Subject property | Reviewer Comment (2026-03-18): Master Blanket Policy provided.
Cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Master Insurance Policy Reviewer Comment (2026-03-17): Property type is Condo. Received Hazard Insurance Policy. Please provide master policy. Exception remains. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Property HOI |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan ofXXXX or Final Disclosure APR ofXXXXis in excess of allowable threshold of Prime Mortgage Market Rate XXXX, or XXXX. Non-Compliant SubPrime Loan. | APR on subject loan ofXXXX or Final Disclosure APR of XXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+XXXX, or XXXX. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | 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 ofXXXXexceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-18): XXXX: Sufficient cure provided.
Full cure amount for tolerance violation was provided at closing (on final
CD) resulting in a cleared exception. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Signed Final CD reflecting $XXXX cure |
03/18/2026 | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000120811 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXXplus XXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||||
| XXXXXX | 4000118716 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list Title policy coverage amount. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118716 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing gift letter for the EMD. | Reviewer Comment (2026-03-16): Gift letter, cleared |
03/16/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118716 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing gift letter for the EMD | Reviewer Comment (2026-03-16): Gift letter, cleared |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118716 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter is missing for the EMD. | Reviewer Comment (2026-03-16): Gift letter, cleared Seller Comment (2026-03-16): Comment from XXXX (XXXX.): please see attached gift letter |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116257 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 4000116257 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116257 | XXXXXX | XXXXXX | 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 $XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure not provided. | Reviewer Comment (2026-03-19): XXXX received corrected PCCD and
LOE. Seller Comment (2026-03-18): Comment from XXXX (XXXX): PCCD, LOE to borrower, and Posting Summary for proof of lender credit |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116257 | XXXXXX | XXXXXX | 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 Re-Issue Fee. Fee Amount of XXXXexceeds tolerance of XXXX.XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure not provided. | Reviewer Comment (2026-03-19): XXXX received corrected PCCD and
LOE |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000116651 | XXXXXX | XXXXXX | 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 ofXXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided. | Reviewer Comment (2026-03-19): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-18): Comment from Post Closing (XXXX): See attached. |
XXXXXX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000117779 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review coming
back within tolerances. |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117779 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-03-19): Received, Clearing. Seller Comment (2026-03-19): Comment from XXXX (XXXX): Bank Statement shows ownership Reviewer Comment (2026-03-17): Require Evidence which confirms the ownership of borrower like CPA or Operating Agreement. Exception remains. Seller Comment (2026-03-17): Comment from XXXX (XXXX): XXXX Access Letter |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119451 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved at lower LTV toXXXX due to Borrower
not having ownership interest in a residential property in the United States
during the proceeding five (XXXX) year period. Compensating factors are FICO XXXX and DSCR XXXX |
Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elects to waive/regrade
with compensating factors. |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000118684 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118684 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118682 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118682 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | No assets are available to verify Cash From Borrower. | Reviewer Comment (2026-03-18): Received POCB Invoice for
Appraisal Fee of $XXXX. Assets Available for Closing is sufficient to cover
Cash From Borrower. Exception cleared. Seller Comment (2026-03-18): Comment from XXXX(XXXX): Hello, Please see attached |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119077 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119077 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000113575 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000113575 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000118685 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000118095 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-18): Clearing based on review coming
back within tolerances. |
03/18/2026 | 1 | A | A | A | A | A | OH | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXXX | 4000118894 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118894 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118894 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Need an invoice for the Appraisal fee of $XXXX paid outside of closing by the borrower. | Reviewer Comment (2026-03-17): Received, Clearing. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Hello, please see attached |
03/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118407 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-18): Clearing based on review coming
back within tolerances. |
03/18/2026 | 1 | A | A | A | A | A | FL | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXXX | 4000118426 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116254 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-03-18): Received UCDP report with CU
score. Exception cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): SSR |
03/18/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116254 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Reviewer Comment (2026-03-18): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Note addendum attached |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | C | A | D | A | N/A | Yes | |||||||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX | Reviewer Comment (2026-03-23): Balance updated as per recent
statement. Exception cleared. Seller Comment (2026-03-23): Comment from XXXX (XXXX): The XXXX Feb statement you mention is yr XXXX, not XXXX, it is to show the balance after EMD withdraw, please see attached XXXX XXXX statement, the most recent XXXX statement in file is XXXX, thanks Reviewer Comment (2026-03-21): XXXX balance that your using is from Dec while there is a Feb statement that shows XXXX. the EMD would have already been out of the account. The EMD is being used in the funds to close. Seller Comment (2026-03-20): Comment from XXXX (XXXX): The EMD $XXXX was withdrawn from verified account XXXX XXXX. Therefore, the qualified assets is XXXX $XXXX +XXXX $XXXX +EMD $XXXX = $XXXX. Please see attached assets summary. All assets document is in the closed package. Reviewer Comment (2026-03-19): The calculated cash to close is $XXXX (Cash to close $XXXX + EMD $XXXX). Assets verified are $XXXX (EMD XXXX, XXXX XXXX, Wells Fargo XXXX, XXXX XXXX $XXXX, XXXX XXXX, XXXX XXXX $XXXX) Seller Comment (2026-03-19): Comment from XXXX (XXXX): As per the final CD, cash from borrower is only $XXXX, please review and advise |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-23): Received updated funds of $XXXX
from the latest bank statement for account #XXXX. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Buyer Comment (2026-03-23): Comment from XXXX(XXXX): Both asset and DTI conditions are clear, please advise what document is still required |
03/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines and XXXXofXXXX moderately exceeds the guideline maximum ofXXXX. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and XXXXcXXXX moderately exceeds the guideline maximum of XXXX due to the calculation of rental income, being verified as less than stated for property ofXXXX | Reviewer Comment (2026-03-19): Applied XXXX% ownership and
rental income to XXXX as borrower owns half of XXXX Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see 1008, the DTI ratio is XXXX%, less than XXXX%, please advise how to get the ratio XXXX% |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | 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 (2026-03-17): Client elects to waive |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | 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. |
C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-23): Sufficient cure provided. Full
cure amount for tolerance violation was provided at or before closing (on
final CD) resulting in a cleared exception." Seller Comment (2026-03-19): Comment from XXXX (XXXX): $XXXX was cured and show on the final CD, please see attached final CD highlighted |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXXexceeds Guideline total debt ratio ofXXXX | Reviewer Comment (2026-03-19): Applied XXXX% ownership and
rental income to XXXX as borrower owns half of XXXX Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX | Reviewer Comment (2026-03-23): Received updated funds of $XXXX
from the latest bank statement for account #XXXX. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): Both asset and DTI conditions are clear, please advise what document is still required |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-23): Received updated funds of $XXXX
from the latest bank statement for account #XXXX. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): Both asset and DTI conditions are clear, please advise what document is still required |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | self employed borrower and existing business was established in XXXXLender exception approved. Comp factors include XXXXdown, strong residual income and FICOXXXX | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-17): Client elects to waive/regrade
with compensating factors. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000119455 | XXXXXX | XXXXXX | 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 XXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-03-23): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXXX | 4000118307 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI calculated of XXXX moderately exceeds the guideline maximum ofXXXX. It appears the rental loss ofXXXX on departing residence was used at origination, however the actual rental loss is XXXX | Reviewer Comment (2026-03-30): Used additional rental income
from non subject ADU, DTI meets guidelines |
03/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (XXXX): The DTI calculated in accordance with the Lenders Guidelines andXXXX(c)XXXX) of XXXX moderately exceeds the guideline maximum ofXXXX(DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated of XXXX moderately exceeds the guideline maximum ofXXXX It appears the rental loss of XXXX on departing residence was used at origination, however the actual rental loss is XXXX | Reviewer Comment (2026-03-30): Used additional rental income
from non subject ADU, DTI meets guidelines |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The DTI calculated of XXXX moderately exceeds the guideline maximum of XXXX It appears the rental loss of XXXXon departing residence was used at origination, however the actual rental loss is XXXX | Reviewer Comment (2026-03-30): Used additional rental income
from non subject ADU, DTI meets guidelines Reviewer Comment (2026-03-30): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116403 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The DTI calculated of XXXX moderately exceeds the guideline maximum ofXXXX. It appears the rental loss of XXXXon departing residence was used at origination, however the actual rental loss is XXXX | Reviewer Comment (2026-03-30): Used additional rental income
from non subject ADU, DTI meets guidelines |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121487 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-18): Clearing based on review coming
back within tolerances. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (XXXX: Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The file is missing copy of VVOE document . | Reviewer Comment (2026-03-20): Received, Clearing. Seller Comment (2026-03-20): Comment from XXXX (XXXX): VOE IHSS |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (XXXX): Guidelines require XXXXor more consecutive months bank statements. | Reviewer Comment (2026-05-18): 12 months of bank statements were
received which resolved the ATR issue. |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-05-18): VVOE and 12 months of bank
statements were received to resolve the exceptions effecting the ATR. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-03-20): Received, Clearing. |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-05-18): VVOE and 12 months of bank
statements were received to resolve the exceptions effecting the ATR. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-03-20): Received, Clearing. |
05/18/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing copy of VVOE document . | Reviewer Comment (2026-03-20): Received, Clearing. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-05-18): VVOE and 12 months of bank
statements were received to resolve the exceptions effecting the ATR. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-03-20): Received, Clearing. |
05/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The file is missing copy of VVOE document . | Reviewer Comment (2026-03-20): Received, Clearing. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119007 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114643 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114643 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117446 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation was not provided. | Reviewer Comment (2026-03-24): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): Articles of Organization Reviewer Comment (2026-03-19): Required Articles of Organization/Formation. Exception remains. Seller Comment (2026-03-19): Comment from XXXX (XXXX.): Businesses do not file articles of organization in XXXX. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117446 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-03-19): Received Guarantor Agreement.
Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX.): Guaranty Agreement |
03/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OK | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000116193 | XXXXXX | XXXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. | - | Subject photos are not legible | Reviewer Comment (2026-03-19): Received, Clearing. Seller Comment (2026-03-19): Comment from XXXX (XXXX): See attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000116193 | XXXXXX | XXXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. | - | Comparable Photos are not legible. | Reviewer Comment (2026-03-19): Received, Clearing. Seller Comment (2026-03-19): Comment from XXXX (XXXX): See attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119118 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119118 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review coming
back within tolerances. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000119118 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119068 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119068 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119068 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118434 | XXXXXX | XXXXXX | 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 ofXXXX is less than the note amount ofXXXXbased on the Preliminary in file. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119089 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119089 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | There is not evidence in the file that the borrower received a copy of the appraisal report at least three (3) business days prior to closing. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000117012 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118951 | XXXXXX | XXXXXX | 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 preliminary title report in 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 (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000118951 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage ofXXXX is sufficient to cover the mortgage amount of XXXX however is insufficient to cover the estimated cost new of XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is XXXX | Reviewer Comment (2026-03-26): RCE provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): Attached |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118951 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. | Income statement missing in file. | Reviewer Comment (2026-03-26): Statement provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): Attached Reviewer Comment (2026-03-24): 12 month rental history is being requested for the subject property. Buyer Comment (2026-03-24): Comment from XXXX (XXXX.): Please detail which property this is requested for. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118091 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118091 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120287 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review coming
back within tolerances. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| XXXXXX | 4000116812 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The hazard insurance coverage amount is insufficient, however, the Replacement cost estimator is not provided in the file. | Reviewer Comment (2026-03-19): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): RCE attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000113989 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000113989 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (XXXX) business days of application. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118094 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117028 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | There is not evidence in the file that the borrower received a copy of the appraisal report at least three (3) business days prior to closing. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115917 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | There is no evidence of landlord insurance (hazard insurance plus liability) and thus casts doubt on the business purpose of the loan. | Rent loss insurance is required and must equal 6 months rental income. | Reviewer Comment (2026-03-26): Received updated Hazard Insurance
Policy confirms that the Rent Loss Coverage. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Insurance Binder |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000117963 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification is missing. | Reviewer Comment (2026-03-21): Clearing. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Property indicated does not have an HOA, nearby listings in the same neighborhood also explicitly state no HOA / $XXXX HOA fee, which is typical for this area. |
03/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118328 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review coming
back within tolerances. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000114869 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | There is not evidence in the file that the borrower received a copy of the appraisal report at least three (3) business days prior to closing | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000114869 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | POC invoice is missing for the appraisal fee and the credit report fee. | Reviewer Comment (2026-03-23): Received POCB Invoices. Assets
Available for Closing is sufficient to cover Cash From Borrower. Exception
cleared. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Hello, Please see attached |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115506 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is missing. | Reviewer Comment (2026-03-24): Flood Certificate provided.
Cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): XXXX: Please see attached flood cert |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120566 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-30): Final title policy provided |
03/30/2026 | 1 | A | A | A | A | A | A | A | A | A | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120566 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-30): Received final title policy Seller Comment (2026-03-30): Comment from XXXX (XXXX): XXXX please see attached please clear thank you |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120260 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification document missing for addressXXXX | Reviewer Comment (2026-03-27): Received evidence of HOA dues Seller Comment (2026-03-27): Comment from XXXX (XXXX.): hoa dues $XXXX a month for XXXX property |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119239 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119239 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review coming
back within tolerances. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000113657 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review coming
back within tolerances. |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000113657 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-24): Received full Fraud Report.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX(XXXX): full report plus cleared item report attached Reviewer Comment (2026-03-23): Require full Fraud report. Exception remains. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Fraud Report attached |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000113657 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Reviewer Comment (2026-03-25): Received XXXX attestation
confirming no claim occurred. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): please see attached fromXXXX no claim Reviewer Comment (2026-03-23): Policy effective XXXX which is two days after closing date XXXX. Please provide attestation there were no insurance claims made between the closing date and policy effective date Seller Comment (2026-03-23): Comment from XXXX (XXXX): HOI policy effective XXXX attached and first year premium $XXXX paid by title company at closing in Section F of CD |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXXX | 4000118104 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000118104 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in fil | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 2000000486 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120319 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided onXXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed ofXXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of XXXXis over disclosed byXXXX compared to the calculated Amount Financed of XXXX | Reviewer Comment (2026-03-25): XXXX received Corrected CD &
Final Settlement Statement confirming HOA certificate was paid by lender |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120319 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on pageXXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount ofXXXX is under disclosed by XXXX compared to the calculated Finance Charge ofXXXXwhich exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount ofXXXX is under disclosed by XXXXcompared to the calculated Finance Charge of XXXX | Reviewer Comment (2026-03-25): XXXX received Corrected CD &
Final Settlement Statement confirming HOA certificate was paid by lender |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120284 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120284 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule is missing. | Reviewer Comment (2026-03-23): Received Comparable Rent
Schedule. Exception cleared. Seller Comment (2026-03-23): Comment from XXXX (XXXX.): 1007uploaded |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120284 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XXXX; Disbursement Date:XXXX; Note Date: XXXXTransaction Date:XXXX | Reviewer Comment (2026-03-26): Final HUD received confirming
disbursement date of XXXX Reviewer Comment (2026-03-24): As per final CD Disbursement date is XXXX, while the Hazard Insurance policy currently begins on XXXX. Please provide a policy with an effective date prior to the disbursement date. Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): please see attached seller final CD to show disbursement date XXXX Reviewer Comment (2026-03-23): Provide Hazard Insurance policy with effective date which is prior to disbursement date. Exception remains. Buyer Comment (2026-03-23): Comment from XXXX (XXXX.): property located XXXX and we funded the loan XXXX EOI effective prior to loan funded date |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120228 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120400 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX(XXXX): LL XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120400 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX of the amount past due or grace period of less than XXXX | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): LL XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120400 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXXis in excess of the allowable maximum of XXXX of the Federal Total Loan Amount. Points and Fees of XXXXon a Federal Total Loan Amount of XXXX vs. an allowable total of XXXX (an overage of XXXX). Non-Compliant High Cost Loan. | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): LL XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120400 | XXXXXX | XXXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): LL XXXX Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120400 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000120707 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120443 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | 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. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is required to have a minimum XXXX ownership of the business to utilize Business Funds. Borrower ownsXXXX of business. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | 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 ofXXXX exceeds tolerance ofXXXXplus XXXXorXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120792 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance ofXXXXufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000121155 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000121155 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXXplus XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided for increase inXXXX tolerance fees. Exception will be revisited once all other tolerance exceptions are addressed. | Reviewer Comment (2026-03-25): Sufficient cure provided. Full
cure amount for tolerance violation was provided at or before closing (on
final CD) resulting in a cleared exception. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Final CD has cure for $XXXX regarding recording fee increase |
03/25/2026 | 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 | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000121155 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure was provided. | Reviewer Comment (2026-03-31): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-03-30): Comment from XXXX (XXXX): XXXX tracking shows delivered XXXX Reviewer Comment (2026-03-27): XXXXC rececived PCCD, LOE and copy of refund check. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Please see attached |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXXX | 4000121155 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000120490 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided | Reviewer Comment (2026-03-24): Received Power of Attorney (POA).
Exception cleared. Seller Comment (2026-03-24): Comment from Post Closing (XXXX.): Please see attached Power of Attorney (POA) |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119314 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120361 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118619 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000119841 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XXXX Disbursement Date: XXXX | Reviewer Comment (2026-03-24): Received Hazard Insurance Policy.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): current |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118346 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118346 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Property is occupied by Tenants and Lease Agreement is missing. | Reviewer Comment (2026-03-31): Received, Clearing. Reviewer Comment (2026-03-25): Missing Lease Agreement for 3rd Floor. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Lease Agreement |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118346 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-31): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX(XXXX): Certificate of Good Standing |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000117503 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120232 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list title policy coverage amount. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000117505 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 2000000497 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000497 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to include rental income in qualifying for this Asset Qualifier Loan. | Borrower has verified disposable income of at least $2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): Client elects to waive with
compensating factors |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 2000000497 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000497 | XXXXXX | XXXXXX | 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 (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | 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 | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000401 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception regarding NSF on bank statements-LOE in file provides reasonable explanation for the NSFs and the remediation of the issues. Exception requested to allow the income to be used in spite of the NSFs | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): Client elects to waive with
compensating factors |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | B | B | B | B | D | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 2000000401 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX4): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | B | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 2000000401 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-03-19): Received Desk-Top Review.
Exception cleared. |
03/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | B | B | B | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 2000000401 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | B | B | B | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXXX | 4000118469 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118469 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118469 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): 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 XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-19): Accepted as is. |
03/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119927 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119927 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119022 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120288 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list title policy amount. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120288 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118092 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118092 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117682 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000117682 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000121213 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary title policy amount is blank. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000119941 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-03-31): Received POCB Invoices of $XXXX
& $XXXX. Assets Available for Closing is sufficient to cover Cash From
Borrower. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Hello, Please see attached |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000120864 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120248 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120248 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120650 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | HO-6 policy not provided | Reviewer Comment (2026-03-26): HO-6 Policy provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): XXXX : A master insurance policy is not applicable for this transaction. The appraiser confirms there is no active HOA via the Project Information section of the report dated XXXX. Please see the attached HO-3 policy reflecting sufficient dwelling coverage of $XXXX |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000115837 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000115837 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115837 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000115837 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Guidelines allowed max loan amount XXXX for Refinance transaction. | Borrower has been employed in the same industry for more than 5
years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-26): Client exception received. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-03-23): This is a violation of the XXXX guidelines. An exception from the buyer of the loan is required. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): Hello, the loan amount of $XXXX is allowable per XXXX's guidelines/matrix. Thank you. |
03/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXXX | 4000115837 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000118425 | XXXXXX | XXXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-03-24): Received E-sign Consent
Agreement. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): E-Consent Agreement |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118425 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000121106 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118831 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guideline state a non-arms length transaction involving a personal or bussiness relationship between a borrower and any Interested party of the transaction.Non arms length transactions are ineligible .The seller of the subject property is the Borrowers XXXX.The Borrower is not recieving any IPS ir gift from the Seller in the transaction.The property is currently off market that is selling for XXXX .More than when it sold in 2024.The appraiser attributes the value to recent renovations.There is no indication of a foreclosure bailout.The property is tenant occupied with a lease dated XXXX-XXXX | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): Lender exception conditions met,
exception approved |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000118886 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance. | Reviewer Comment (2026-03-30): Received Hazard Insurance Policy.
Exception cleared Seller Comment (2026-03-30): Comment from XXXX (XXXX.): EOI |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000118886 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy effective date is missing from evidence of insurance. | Reviewer Comment (2026-03-30): Received Hazard Insurance Policy.
Exception cleared Seller Comment (2026-03-30): Comment from XXXX (XXXX): EOI |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120634 | XXXXXX | XXXXXX | 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 preliminary title report in 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 (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000120634 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | First page not provided. | Reviewer Comment (2026-03-26): Received Fraud Report. Exception
cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX):XXXX: Please see attached document |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120634 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120613 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120613 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120307 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review coming
back within tolerances. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120307 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Properties listed for sale by the Borrower within the last twelve (XXXX) months are not eligible. Subject listed for sale XXXX and listing removed XXXX. Application date: XXXX.Motivation letter attached. 2/3 units rented at less than market rent (used lower for DSCR). The third unit is vacant (using market rent). Lender exception provided is incomplete. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-30): Client elects to waive with
compensating factors Seller Comment (2026-03-30): Comment from XXXX (XXXX.): Please see attached exception form. |
03/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000120651 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file was missing a copy of Operating Agreement | Reviewer Comment (2026-03-26): Corporate Resolution sufficient
per guides. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): XXXX: According to the XXXX (XXXX ) XXXX - Orange guidelines you can get a copy of the Operating Agreement or Corporate Resolution. Please see the attached copy of the corporate resolution. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120651 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state each borrower must have a minimum of XXXX tradelines from traditional credit sources that reported for XXXX months or more with at least 1 of these open and active for the last XXXX months. The borrower has an open and active tradeline reporting for XXXX months as well as 4 other eligible closed tradelines reporting for XXXX months. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000120116 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118541 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118484 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX 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 (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118484 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Policy amount was not provided. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120281 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120281 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120281 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Appraisal Invoice is missing for POCB | Reviewer Comment (2026-03-24): Received POCB Invoice. Exception
cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): invoice uploaded |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120281 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk | Reviewer Comment (2026-03-24): Received POCB Invoice. Exception
cleared. |
03/24/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120281 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-03-24): Received POCB Invoice. Exception
cleared. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119957 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119957 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was provided. A waiver was not provided | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000122193 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000120854 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-03-26): Cleared Articles of organization
received Seller Comment (2026-03-26): Comment from XXXX (XXXX): Articles Reviewer Comment (2026-03-24): Received Operating Agreement. Provide Articles of Organization/Formation. Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Articles of Organization/Formation |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract not provided in file. | Reviewer Comment (2026-03-24): Received Purchase Agreement and
Sales Contract addendum. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX XXXX): PURCHASE CONTRACT Reviewer Comment (2026-03-24): We are requesting Purchase Agreement / Sales Contract, not Lease Agreement. Exception remains. Buyer Comment (2026-03-24): Comment from XXXX XXXX XXXX): The subject property is a secondary residence. There is no lease agreement. Reviewer Comment (2026-03-24): Purchase Agreement / Sales Contract not provided for the Property of XXXX Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX XXXX): Please specify which property. If you're referring to XXXX, it was included in the package pg XXXX. Uploaded again. |
03/24/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-03-24): POCB Appraisal Receipt provided.
Cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX XXXX ): APPRAISAL INVOICE Reviewer Comment (2026-03-24): Please provide the POC invoice for the appraisal. Reviewer Comment (2026-03-24): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-03-24): Comment from XXXX (XXXX XXXX): We are using XXXX% gift for closing funds, and using the XXXX account for reserves. The ending balance on the account is $XXXX which is enough to cover the required reserves amount of $XXXX. Please clear all reserve conditions. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due
Diligence Loan Designation of ATR Fail due to Insufficient assets are
provided to meets reserve requirement. Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX . |
Reviewer Comment (2026-03-27): Received Gift letter dated
XXXX Reviewer Comment (2026-03-27): The gift letter provided is dated post consummation (note date). 1026. 43(e)(2)(v)(B) requires the lender to consider and verify the income or assets relied upon in making the determination the consumer had the ability to repay, at or before consummation. Consummation" is defined under 1026.2(a)(13) as, "...the time that a consumer becomes contractually obligated on a credit transaction." It is the commentary to this section that states, "When a contractual obligation on the consumer's part is created is a matter to be determined under applicable law; Regulation Z does not make this determination. A contractual commitment agreement, for example, that under applicable law binds the consumer to the credit terms would be consummation." Unless the state has a specific definition of "consummation" as it relates to a mortgage transaction, the term is consistently tied to when the legal obligation is entered into by the consumer. This would be evidenced by the date the consumer executes the Note. The standard Fannie Mae/ Freddie Mac documents do not include a place for the consumer to date their signature to evidence the date they executed the document. The Security Instrument is typically executed concurrently with the Note. This document is notarized with the date by the Notary. Therefore, the Notary date is used to evidence the date of consummation. Seller Comment (2026-03-27): Comment from XXXX (XXXX XXXX): GIFT LETTER DATED XXXX Reviewer Comment (2026-03-25): We need a gift letter for XXXX that was dated prior to the note date as well as proof of funds for the gift amount that was dated prior to the note date. Buyer Comment (2026-03-24): Comment from XXXX (XXXX XXXX): PCCD provided. Please waive this condition. |
03/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Purchase | Lender to provide updated ATR/QM status | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay XXXX): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied due to
Insufficient assets are provided to meets reserve requirement. Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX. |
Reviewer Comment (2026-03-27): Received Gift letter dated
XXXX |
03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the
loan is at ATR risk. Insufficient assets are provided to meets reserve requirement. Calculated Available for Reserves of XXXX is less than Guideline Available for Reserves of XXXX. |
Reviewer Comment (2026-03-24): POCB Appraisal applied. Receipt
provided. Cleared. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120105 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (XXXX): Unable to verify assets using reasonably reliable third-party records. | Gift funds XXXXwere verified after the disbursement date. | Reviewer Comment (2026-03-27): Received Gift letter dated
XXXX Reviewer Comment (2026-03-27): The gift letter provided is dated post consummation (note date). XXXX 43(e)(2)(v)(B) requires the lender to consider and verify the income or assets relied upon in making the determination the consumer had the ability to repay, at or before consummation. Consummation" is defined under 1026.2(a)(13) as, "...the time that a consumer becomes contractually obligated on a credit transaction." It is the commentary to this section that states, "When a contractual obligation on the consumer's part is created is a matter to be determined under applicable law; Regulation Z does not make this determination. A contractual commitment agreement, for example, that under applicable law binds the consumer to the credit terms would be consummation." Unless the state has a specific definition of "consummation" as it relates to a mortgage transaction, the term is consistently tied to when the legal obligation is entered into by the consumer. This would be evidenced by the date the consumer executes the Note. The standard Fannie Mae/ Freddie Mac documents do not include a place for the consumer to date their signature to evidence the date they executed the document. The Security Instrument is typically executed concurrently with the Note. This document is notarized with the date by the Notary. Therefore, the Notary date is used to evidence the date of consummation. Seller Comment (2026-03-27): Comment from XXXX(XXXX XXXX): GIFT LETTER DATED XXXX Reviewer Comment (2026-03-25): We need a gift letter for XXXX that was dated prior to the note date as well as proof of funds for the gift amount that was dated prior to the note date. Buyer Comment (2026-03-24): Comment from XXXX (XXXX XXXX): It was already provided. Please waive this condition. Reviewer Comment (2026-03-24): Please provide the POC invoice for the appraisal. Seller Comment (2026-03-24): Comment from XXXX (XXXX XXXX): PCCD with disbursement date as XXXX |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120437 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-03-24): Received Articles of
Organization. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Article of organization form |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120437 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-03-26): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): to verify good standing |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120437 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-03-24): Received Corporate Resolution.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): corporate resolution |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120437 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-03-24): Received Operating Agreement.
Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): operating agreement |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120437 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is misisng. | Reviewer Comment (2026-03-24): Received Employer Identification
Number. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX.): EIN |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000119798 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX): 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119798 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. | Reviewer Comment (2026-03-23): As per Final Closing Disclosure
and Closing Statement received, Disbursement Date is XXXX. Hazard Insurance
Policy Effective Date XXXX is prior to the Disbursement Date. Exception
cleared. Seller Comment (2026-03-23): Comment from Post Closing (XXXX): Please see attached final closing statement and final CD. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119798 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file was missing a copy of Initial 1003 Application. | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119113 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) 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 (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119113 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119113 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXXis less than Cash From Borrower
XXXX. Verification of POCs were not provided in file. |
Reviewer Comment (2026-03-28): Received, Clearing. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Hello, Please see attached to recalculate the Cash to Close amount on the loan Reviewer Comment (2026-03-26): Received invoices for the POCB amounts however, there is still a shortfall of $XXXX. Please provide additional assets to meet the Cash from Borrower requirement of $XXXX. Exception remains. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Hello, Please see attached to recalculate the Cash to Close amount on the loan |
03/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120800 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by XXXX | Reviewer Comment (2026-03-26): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): RCE attached Reviewer Comment (2026-03-24): There is Coverage shortfall of $XXXX. Hence required RCE. Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX): We disagree with this suspense issue. The Dwelling Coverage is $XXXX which exceeds the loan amount of $XXXX The policy has sufficient coverage. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000121358 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Reviewer Comment (2026-03-23): As per PCCD received,
Disbursement Date is XXXX. Hazard Insurance Policy Effective Date is same as
the Disbursement Date. Exception cleared. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Hello, please see attached |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000121358 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-23): Accepted as is. |
03/23/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | C | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121358 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | - | Reviewer Comment (2026-03-24): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Hello, the appraiser's license was active at the time of appraisal inspection (XXXX). although the report shows expiration of XXXX, the license verification shows that he renewed his license. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000121358 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | Reviewer Comment (2026-03-25): Received, Clearing. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): Hello, the PCCD and appraisal invoice POC shows the funds required to close as XXXX + XXXX + XXXX = XXXX. We have more than sufficient funds to close with XXXX. Reviewer Comment (2026-03-24): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX Reviewer Comment (2026-03-23): Received POCB Invoice for Appraisal fee of $XXXX. However, Assets Available for Closing of $XXXX is less than Cash From Borrower $XXXX. Please provide POCB Invoice for Credit Report Fee of $XXXX. Exception remains. Seller Comment (2026-03-23): Comment from XXXX (XXXX): Hello, please see the PCCD and appraisal invoice showing poc. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | C | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120821 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000120821 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Compliant | New York Subprime Loan: APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX, or XXXX. Compliant SubPrime Loan. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000120224 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120224 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116061 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118483 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118483 | XXXXXX | XXXXXX | 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 preliminary title report in file disclosed XXXX of title insurance coverage; however this is less than the loan amount of XXXX Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119416 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119416 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119027 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119027 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. 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 (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119019 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-26): Clearing based on review coming
back within tolerances. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000120837 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120837 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for Appraisal Fee. Fee Amount of XXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased from XXXX to XXXX an increase of XXXX A cure of XXXX was provided. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000121568 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120500 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120500 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing invoice for appraisal that was paid outside of closing | Reviewer Comment (2026-03-25): Invoice provided. Cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): invoice |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120500 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120807 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing. | Reviewer Comment (2026-03-25): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Please see attached prepayment addendum to Note |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXXX | 2000000414 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-03-24): Received, Clearing. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-26): Clearing based on review coming
back within tolerances. Reviewer Comment (2026-03-25): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): See the attached collateral package with all riders and the title with loan amount |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-03-25): Received, Clearing. Seller Comment (2026-03-25): Comment from XXXX (XXXX): See attached final 1003 |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note - Subject Lien not fully executed, signature is missing. | Reviewer Comment (2026-03-30): Received Note - Subject Lien with
signature. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): See attached collateral package again. I cannot provide with Doc # as trailing docs are integrated into package. This is the XXXX time i am uploaded this collateral package. Reviewer Comment (2026-03-27): We do not see the provided package at our review stage. Please provide the Doc ID for the required document. Exception remains. Buyer Comment (2026-03-27): Comment from XXXX(XXXX): See attached collateral package all documents are signed by the borrower Reviewer Comment (2026-03-25): Require borrower signed Note - Subject Lien. Exception remains. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): See attached collateral package |
03/30/2026 | 1 | D | A | D | A | D | A | D | A | D | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - ARM not provided | Rider - ARM not fully executed, signature is missing. | Reviewer Comment (2026-03-30): Executed document received Reviewer Comment (2026-03-27): We do not see the provided package at our review stage. Please provide the Doc ID for the required document. Exception remains. Buyer Comment (2026-03-27): Comment from XXXX(XXXX): See attached collateral package all documents are signed by the borrower Reviewer Comment (2026-03-25): Require borrower signed Rider - ARM. Exception remains. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): See attached collateral package |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | Rider - Condo not fully executed, signature is missing. | Reviewer Comment (2026-03-30): Executed document received Reviewer Comment (2026-03-27): We do not see the provided package at our review stage. Please provide the Doc ID for the required document. Exception remains. Buyer Comment (2026-03-27): Comment from XXXX (XXXX): See attached collateral package all documents are signed by the borrower Reviewer Comment (2026-03-25): Require borrower signed Rider - Condo. Exception remains. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): See attached collateral package |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | Rider -Second Home not fully executed, signature is missing. | Reviewer Comment (2026-03-30): Executed document received Reviewer Comment (2026-03-27): We do not see the provided package at our review stage. Please provide the Doc ID for the required document. Exception remains. Buyer Comment (2026-03-27): Comment from XXXX (XXXX): See attached collateral package all documents are signed by the borrower Reviewer Comment (2026-03-25): Require borrower signed Rider -Second Home. Exception remains. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): See attached collateral package |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien not fully executed, signature is missing. | Reviewer Comment (2026-03-30): Executed document received Reviewer Comment (2026-03-27): We do not see the provided package at our review stage. Please provide the Doc ID for the required document. Exception remains. Buyer Comment (2026-03-27): Comment from XXXX (XXXX): See attached collateral package all documents are signed by the borrower Reviewer Comment (2026-03-25): Require borrower signed Security Instrument - Subject Lien. Exception remains. Buyer Comment (2026-03-25): Comment from XXXX(XXXX): See attached collateral package |
03/30/2026 | 1 | D | A | D | A | D | A | D | A | D | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | 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 Report in file does not list coverage amount. | Reviewer Comment (2026-03-30): Received updated title reflecting
loan amount Reviewer Comment (2026-03-27): Documentation in the credit file does not contain a preliminary title with a loan amount. Please attach it to the suspense item. Buyer Comment (2026-03-27): Comment from XXXX (XXXX): See attached collateral package. It has title with loan amount Reviewer Comment (2026-03-25): We don't see a collateral file in our review. Please provide for our review. Buyer Comment (2026-03-25): Comment from XXXX(XXXX): See title in the collateral package in trailing docs. |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Refinance - Rate/Term | D | A | D | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000114826 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for Certification Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-24): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | HI | Second Home | Refinance - Rate/Term | Final CD evidences Cure | D | A | D | A | D | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000119851 | XXXXXX | XXXXXX | 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. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120874 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000119763 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-26): Clearing based on review coming
back within tolerances. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000121526 | XXXXXX | XXXXXX | 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 XXXX is less than the note amount of XXXX based on the Commitment in file. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000120412 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120412 | XXXXXX | XXXXXX | 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 Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118485 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118725 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. (Type:Primary/XXXX | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118725 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (XXXX) business days from transaction date of XXXX | Reviewer Comment (2026-03-28): Received, Clearing. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
03/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | 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 | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000118725 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118492 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118946 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 4000118946 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000118946 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000118733 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118733 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-03-25): Received valid UCDP Seller Comment (2026-03-25): Comment from XXXX (XXXX.): SSR |
03/25/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118733 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | incomplete fraud report found in file. | Reviewer Comment (2026-03-25): Fraud report received Seller Comment (2026-03-25): Comment from XXXX (XXXX.): fraud report |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118733 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Borrower is possible match on Sam.gov. Please provide documentation used to clear red flag. | Reviewer Comment (2026-03-26): Clear Sam.Gov provided.
Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): SAM cleared report |
03/26/2026 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | B | A | A | D | A | Non QM | Non QM | No | |||||||||||||||
| XXXXXX | 4000116577 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Reviewer Comment (2026-03-31): Received Lender Exception for
XXXX. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): exception approval Reviewer Comment (2026-03-30): Exception approval requests should be sent directly to XXXX Seller Comment (2026-03-30): Comment from XXXX (XXXX): exception approval |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000116577 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-31): Received Lender Exception for
XXXX. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): exception approval Reviewer Comment (2026-03-30): Exception approval requests should be sent directly to XXXX Seller Comment (2026-03-30): Comment from XXXX (XXXX): compliance report |
03/31/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000116577 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is waterfall due to the calculated PITIA months reserves short required amount. | Reviewer Comment (2026-03-31): Received Lender Exception for
XXXX. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): exception approval Reviewer Comment (2026-03-30): Exception approval requests should be sent directly to XXXX Seller Comment (2026-03-30): Comment from XXXX (XXXX): Is our compliance report what is being requested? |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000116577 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXX - No evidence of required counseling disclosure language per XXXX. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of XXXX or Final Disclosure APR of XXXX is equal to or greater than the threshold of APOR XXXX+ XXXX, or XXXX. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-03-30): Letter of Explanation, Proof of
Delivery, Copy of Refund Check, and Corrected CD received |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | 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 | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Housing history for borrower is missing from file. Borrower is not currently on the mortgage being paid off. | Reviewer Comment (2026-03-27): VOM received reflecting borrower
on the account |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120886 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide LOE for borrowers currently on the Mortgage/VOM being paid off. | Reviewer Comment (2026-03-27): VOM lists the borrowers name and
contains XXXXmonths history Reviewer Comment (2026-03-26): The VOM received is the same document that was previously provided and does not list the borrower's name. Provide LOE and documentation to support ownership. Exception remains. Seller Comment (2026-03-26): Comment from XXXX (XXXX.): VOM attached |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120748 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000120748 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. | Reviewer Comment (2026-03-25): Business Purpose Certificate,
cleared Seller Comment (2026-03-25): Comment from XXXX (XXXX): Please see business purpose to clear condition |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120748 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing. | Reviewer Comment (2026-03-25): Occupancy Certificate, cleared Seller Comment (2026-03-25): Comment from XXXX (XXXX): Please see occupancy cert to clear condition |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118417 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 4000119120 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. | Reviewer Comment (2026-03-31): As per PCCD received,
Disbursement Date is XXXX. Hazard Insurance Policy Effective Date is prior to
the Disbursement Date. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Hello, Please see attached |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119120 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120614 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): We have already included the Post CD in the closing package. As shown in the Post CD, it already sufficiently covers the closing amount. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-25): Accepted as is. |
03/25/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (XXXX): Unable to verify assets using reasonably reliable third-party records. | Missing Invoice for POCB Appraisal | Reviewer Comment (2026-03-26): Received, Clearing. Buyer Comment (2026-03-26): Comment from XXXX (XXXX): We have never sent a separate invoice for the appraisal, even for POCB. May I ask if there is a specific reason you require an appraisal invoice? If not, we would appreciate it if you could waive it. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (XXXX): Unable to verify assets using reasonably reliable third-party records. | Missing Invoice for POCB Credit Report | Reviewer Comment (2026-03-26): Received, Clearing. Buyer Comment (2026-03-26): Comment from XXXX (XXXX): We have never sent a separate invoice for the credit report, even for POCB. May I ask if there is a specific reason you require an credit report invoice? If not, we would appreciate it if you could waive it. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan is short funds to close | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): If you refer to the attached Post CD and QM, you will see that there are no issues. |
03/26/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Loan is short funds to close | Reviewer Comment (2026-05-18): Invoices for POC items were
provided to resolve the shortage of funds to close. ATR has been addressed
accordingly. Reviewer Comment (2026-05-18): . Reviewer Comment (2026-03-26): Received, Clearing. |
05/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing POCB Invoice for Appraisal fee of XXXX | Reviewer Comment (2026-03-26): Clearing. Buyer Comment (2026-03-26): Comment from XXXX (XXXX): We have never sent a separate invoice for the appraisal, even for POCB. May I ask if there is a specific reason you require an appraisal invoice? If not, we would appreciate it if you could waive it. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing POCB Invoice for Credit Report fee of XXXX | Reviewer Comment (2026-03-26): Clearing. Buyer Comment (2026-03-26): Comment from XXXX (XXXX): We have never sent a separate invoice for the credit report, even for POCB. May I ask if there is a specific reason you require an credit report invoice? If not, we would appreciate it if you could waive it. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000118471 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short funds to close and reserves. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): If you refer to the attached Post CD and QM, you will see that there are no issues. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120842 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121284 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120773 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Reviewer Comment (2026-03-31): Cleared, HOI received, dry
state Seller Comment (2026-03-31): Comment from XXXX (XXXX): Hello, please see the attached PCCD included in the Submission Package showing the updated disbursement date of XXXX, which matches the EOI effective date. Thank you. |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120773 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120773 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121494 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXXX | 4000121494 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXXX | 4000121506 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121506 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-26): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Account Statement from XXXX to XXXX | Reviewer Comment (2026-04-02): Bank statements received Seller Comment (2026-04-02): Comment from XXXX (XXXX): Reloading all 12 months bank statements, Reviewer Comment (2026-03-31): Business Bank statements from XXXX to XXXX not received. Exception remains. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Providing all 12 months of bank statements for this 12 month bank statement loan. Reviewer Comment (2026-03-30): Bank statements are missing from XXXX to XXXX. The file contains bank statements for the months XXXX-XXXX only Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please refer to XXXX XXXXX XXXXXXX XXXX Age of Documents - "Income: 60 days from Note date". February bank statement is not required. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business Account Statement from XXXX to XXXX | Reviewer Comment (2026-04-02): Bank statements received Seller Comment (2026-04-02): Comment from XXXX (XXXX): Reloading all 12 months of bank statements Reviewer Comment (2026-03-31): Business Bank statements from XXXX to XXXX not received. Exception remains. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Providing all 12 months of bank statements for this 12 month bank statement loan. Reviewer Comment (2026-03-30): Bank statements are missing from XXXX to XXXX. The file contains bank statements for the months XXXX-XXXX only Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please refer to XXXX XXXXX XXXXXXX XXXX Age of Documents - "Income: 60 days from Note date". February bank statement is not required. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-04-02): Bank statements received Seller Comment (2026-04-02): Comment from XXXX (XXXX): Reloading all 12 month bank statements Reviewer Comment (2026-03-31): Business Account Statements from XXXX to XXXX not provided. Exception remains. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Providing all 12 months of bank statements for this 12 month bank statement loan. Reviewer Comment (2026-03-30): Bank statements are missing from XXXX to XXXX. The file contains bank statements for the months XXXX-XXXX only Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please refer to XXXX XXXXX XXXXXXX XXXX Age of Documents - "Income: 60 days from Note date". February bank statement is not required. |
04/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business Account Statement from XXXX to XXXX | Reviewer Comment (2026-04-02): Bank statements received Seller Comment (2026-04-02): Comment from XXXX (XXXX): Reloading all 12 months bank statements Reviewer Comment (2026-03-31): Business Account Statements from XXXX to XXXX were not provided. Exception remains. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Providing all 12 months of bank statements for this 12 month bank statement loan. Reviewer Comment (2026-03-30): Bank statements are missing from XXXX to XXXX. The file contains bank statements for the months XXXX-XXXX only Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please refer to XXXX XXXXX XXXXXXX XXXX Age of Documents - "Income: 60 days from Note date". February bank statement is not required. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119828 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The subject is zoned agriculture/rural. Agricultural zoned properties will be considered on a case by case basis and require an Investor exception approval. | Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-02): Client exception received. Seller Comment (2026-04-02): Comment from XXXX (XXXX): XXXX approval on XXXX Reviewer Comment (2026-03-30): Exception approval for guideline variance should come from the buyer of the loan Seller Comment (2026-03-30): Comment from XXXX (XXXX): XXXX Appraisal Desk has reviewed and approved the appraisal with no exception needed (see attached). In XXXX Zoning refers to Agricultural and Rural Residential Districts which is designed to preserve agricultural land, protect water quality, sustain wildlife habitat, and maintain the rural character of the region. The appraisal site comments state the subject property is in a residential location and there is no indication the property is being used for agricultural purposes. |
04/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000111525 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119125 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118175 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-03-26): Employer Identification Number
(EIN) not provided, Exception remains. Seller Comment (2026-03-26): Comment from XXXX (XXXX): 9 digit EIN number attached Secretary of state |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000118175 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status for XXXX on mortgage late. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-26): Client elected to waive/regrade
with compensating factors. Lender exception provided. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXXX | 4000123117 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-03-27): Appraisal received with no damage
to property Seller Comment (2026-03-27): Comment from XXXX (XXXX): FEMA dated XXXX CDA dated XXXX and appraisal dated XXXX please clarify - thank you |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000123117 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2026-03-27): Appraisal received with no damage
to property Seller Comment (2026-03-27): Comment from XXXX (XXXX): Please see attached |
03/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Purchase | D | B | D | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXXX | 4000123117 | XXXXXX | XXXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal Report Form (1004) is missing for Subject Property. | Reviewer Comment (2026-03-27): Appraisal received with no damage
to property Seller Comment (2026-03-27): Comment from XXXX (XXXX): Please see attached |
03/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Purchase | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000123117 | XXXXXX | XXXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | CDA is not within XXXX of the primary value | Reviewer Comment (2026-03-30): CDA used to qualify at
origination Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see attached CDA thank you. |
03/30/2026 | 1 | A | A | A | A | A | WA | Second Home | Purchase | D | B | D | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXXX | 4000123117 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-28): Accepted as is. |
03/28/2026 | 2 | B | B | B | B | B | WA | Second Home | Purchase | D | B | D | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-31): Clearing based on review coming
back within tolerances. |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (XXXX): Covered transaction contains impermissible prepayment penalty. | Signed business purpose cert is not in file. Loan being tested as NonQM consumer purpose loan. | Reviewer Comment (2026-03-30): Received, Clearing. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Business Purpose cert |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX with a prepayment penalty did not disclose the maxmium prepayment penalty amount. | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX with a prepayment penalty did not disclose the maxmium prepayment penalty amount. (Final/XXXX) | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | N/A | N/A | Yes | |||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Prepay Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains an addition of a prepayment penalty and a complete Closing Disclosure was not received by borrower at least three (XXXX) business days prior to consummation. | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains an addition of a prepayment penalty and a complete Closing Disclosure was not received by borrower at least XXXX (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-30): Received, Clearing. |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional XXXX-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | TILA-RESPA Integrated Disclosure - XXXX-Day Waiting Period
Timing Violation. Post Closing Disclosure reflects a change in APR, loan
product, or addition of prepayment penalty which would have triggered an
additional XXXX-day waiting period had it been correctly disclosed on the
Final Closing Disclosure. Remove/Clear Exceptions |
Reviewer Comment (2026-03-30): Received, Clearing. |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| XXXXXX | 4000119127 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-03-30): Accepted as is. |
03/30/2026 | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| XXXXXX | 4000119723 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-31): Clearing based on review coming
back within tolerances. |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 4000119091 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000119091 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118310 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000118310 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114171 | XXXXXX | XXXXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | As per the final 1003, the applicant's citizenship is listed as
Permanent Resident Alien; however, the PRA card was not provided. Only the
Employment Authorization Document (EAD) was received. The PRA card is
required. Per Investor guidelines: Non-Permanent Resident Aliens are allowed with U.S. credit and an acceptable visa classification (E, G, H, L, O, P, TN). A copy of the visa is missing. |
Reviewer Comment (2026-02-27): Corrected 1003 received
confirming borrower is Non-Permanent Resident Aliens, Employer Authorization
present in the file. Buyer Comment (2026-02-25): Corrected page 1 of 1003 and LOE from client. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114171 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-10): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000112066 | XXXXXX | XXXXXX | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided | The document received was not translated as required by guidelines. | Reviewer Comment (2026-02-23): Letter verified confirming
financial institution of the borrowers. Exception cleared Buyer Comment (2026-02-19): credit reference |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 6000114120 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114073 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-02-26): Final title received. |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | Texas Cash-out Endorsements disclosure is missing in loan file | Reviewer Comment (2026-02-26): Final title showing both
endorsements. Buyer Comment (2026-02-24): Please find the attached Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. |
02/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for TX Guaranty Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No valid changed circumstance available in loan file | Reviewer Comment (2026-02-26): XXXX received PCCD, LOE, proof of
mailing & copy of refund check. Buyer Comment (2026-02-25): Please find the attached PCCD, Check, LOE. Reviewer Comment (2026-02-24): XXXX received lender rebuttal on borrower selected. However, the Title-Title Policy XXXX Fee of $XXXX, AKA, XXXX Guaranty Fee, though is being paid to title company is a fee incurred & imposed on XXXX loans and remitted to XXXX and is not shoppable regardless of the title company utilized. As such, fee should be disclosed initially and is subject to XXXX% tolerance testing. Fee not disclosed on initial LE and added to CD. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-02-23): We do not need to cure fees the borrower shopped for. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. | Reviewer Comment (2026-02-25): Client elects to waive. Buyer Comment (2026-02-24): Please waive. Reviewer Comment (2026-02-23): Lender utilized lower desk review value to calculate LTV/CLTV on subject transaction. Based on this, this EV2 informational condition was generated to call out that the origination appraisal was not used to calculate the LTV/CLTV on the loan. This is an EV2 that client can elect to waive; however, we are unable to clear based on the desk review being used to calculate LTV/CLTV on the subject loan. Buyer Comment (2026-02-23): Please advise what is needed. The appraisal has already been uploaded to the file. |
02/25/2026 | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least XXXX days prior to closing. | Reviewer Comment (2026-02-27): Notice of Concerning Extension
document provided. Buyer Comment (2026-02-27): See attached |
02/27/2026 | 1 | B | A | B | A | B | A | B | A | B | 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 | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000114082 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114115 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114124 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift Letter was not provided. | Reviewer Comment (2026-02-27): Received Gift letter. Exception
cleared. Buyer Comment (2026-02-25): gift letter |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000114124 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The final disclosure disclosed a gift amount, however, the file is missing the gift letter. | Reviewer Comment (2026-02-27): Received Gift letter. Exception
cleared. Buyer Comment (2026-02-25): see attached docs |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000114124 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114071 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XXXX used as disbursement date for compliance testing. | Reviewer Comment (2026-03-02): Received Final Closing Statement
with Disbursement date. Exception cleared. Buyer Comment (2026-02-26): Please see attached |
03/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | A | A | B | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 6000114071 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-03-02): Received Initial Application.
Exception Cleared. Buyer Comment (2026-02-26): Please see attached |
03/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | A | A | B | A | A | A | Exempt from ATR | N/A | No | ||||||||||||
| XXXXXX | 6000113972 | XXXXXX | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Lender exception was approved at origination for cash in hand over XXXX was granted. Lender exception document was not provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700 Representative FICO: XXXX |
Originator Pre-Close,SitusAMC | Reviewer Comment (2025-06-10): Waived with compensating factors
per lender exception approval at origination. Buyer Comment (2025-06-06): exception |
06/10/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||
| XXXXXX | 6000113972 | XXXXXX | XXXXXX | XXXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2025-06-13): clear Buyer Comment (2025-06-11): RCE Reviewer Comment (2025-06-10): Email from HOI agent indicates an RCE was attached. Please provide RCE for review of condition. Buyer Comment (2025-06-06): Ins |
06/13/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112282 | XXXXXX | XXXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2025-11-18): Guarantor Agreement. Buyer Comment (2025-11-14): Guaranty Reviewer Comment (2025-11-13): Provided Guarantee agreement signed pages is missing. Exception Remains. Buyer Comment (2025-11-12): Guaranty |
11/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112243 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Provide an Operating Agreement stipulating signing authority and ownership percentages. | Reviewer Comment (2025-11-25): Operating Agreement. Buyer Comment (2025-11-21): Operating agreement |
11/25/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112252 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Credit | Reverification of rent is inconsistent with original VOR | LENDER EXCEPTION request for missing proof of rent. Three months rent were paid in cash out of the most recent XXXX-month rental history. The other XXXX months have verified cancelled checks showing timely payment of XXXX per month. a XXXX-year lease confirming terms and handwritten rent receipts for the XXXX months cash also included. Compensating Factors: Borrowers credit score is at least 40 points > min XXXX, at least three tradelines > XXXX years and DSCR => XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700 Representative FICO: XXXX |
SitusAMC | Reviewer Comment (2026-02-06): Waived with compensating factors
per lender exception approval at origination. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000112263 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-02-26): AOO. Buyer Comment (2026-02-26): AOO |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000112263 | XXXXXX | XXXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | First time investor requires a XXXX FICO score. File is missing evidence guarantor is an experienced investor. Both investment properties disclosed on 1003 have been owned for less than 1 year. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 |
SitusAMC | Reviewer Comment (2026-02-26): Waived with compensating factors
per lender exception approval. Reviewer Comment (2026-02-26): Cleared in error. Reviewer Comment (2026-02-26): AOO. Buyer Comment (2026-02-26): exception |
02/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000112263 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Investor overlay requires XXXX months' reserves, which are not present on the loan file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 |
SitusAMC | Reviewer Comment (2026-02-27): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-02-27): exception Reviewer Comment (2026-02-26): XXXX overlay requires 3 months reserves. Reviewer Comment (2026-02-26): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Buyer Comment (2026-02-26): No reserves are required per matrix. Overlay does not apply. |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000112022 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for borrower living rent free with non spouse. | Reviewer Comment (2026-02-05): Received UW discretion in the
file for borrower living rent free with someone. Exception Cleared Buyer Comment (2026-02-03): UW discretion |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112022 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. | Reviewer Comment (2026-02-05): Received Final Closing Statement
in the file. Exception Cleared. Buyer Comment (2026-02-03): Final SS |
02/05/2026 | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112202 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-02-11): Executed HUD provided. Reviewer Comment (2026-02-11): Received Settlement statement. Require final Closing Statement fully executed by the all parties or stamped true and certified. Exception Remains. Buyer Comment (2026-02-09): Please find final fully executed HUD-1 attached. Thank you. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112202 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: XXXX Guideline Requirement: 0.00 Guidelines Representative FICO: 700 Representative FICO: XXXX |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-10): Articles of Organization received
in trailing docs. Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval. Buyer Comment (2026-02-09): Please see exception attached. Thank you. Buyer Comment (2026-02-09): Please accept in place of Articles of Formation. Thank you. |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||
| XXXXXX | 6000112198 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-02-11): Received final Settlement
Statement in the file. Exception Cleared. Buyer Comment (2026-02-09): Please see stamped HUD-1 attached. Thank you. Buyer Comment (2026-02-09): Please re-review XXXX it is already mentioned in file. |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112000 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | All units are occupied. Leases for all units were not found in file. | Reviewer Comment (2026-02-12): 1025 shows active lease, no lease
agreement is required. Exception Cleared. Buyer Comment (2026-02-10): Underwriter has used higher of Fair Market Rent of $XXXX/month to qualify. Lender guidelines are as follows: If market rent is higher than active lease, we can use the higher market rent and nothing else will be required. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112139 | XXXXXX | XXXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-05): Received final title. Exception
cleared. |
03/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000112139 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. | Reviewer Comment (2026-03-05): Received final title evidencing
no blanket mortgage. Exception cleared. Buyer Comment (2026-03-03): Final title policy attached. Thank you. Reviewer Comment (2026-02-26): Provide something from title company confirming the lien is paid in full and the property has been fully released. Reviewer Comment (2026-02-26): Cancelled in error. Reviewer Comment (2026-02-26): Mortgage statements verify timely payments for 12 months. Buyer Comment (2026-02-25): Please see property profile attached confirming blanket mtg paid off & released. Thank you. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112240 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide a dated gift letter for the gift funds. | Reviewer Comment (2026-02-26): Provided gift letter with date of
XXXX. Exception cleared. Buyer Comment (2026-02-24): Please see gift letter updated. Thank you. Reviewer Comment (2026-02-19): Received Gift letter does not specify the date when funds were transferred. Exception Remains. Buyer Comment (2026-02-17): Please find attached eSig & dated gift letter. Thank you. |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112128 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing updated gift letter with correct of amount of XXXX. | Reviewer Comment (2026-02-19): Received gift letter with correct
of amount of $XXXX. Exception Cleared. Buyer Comment (2026-02-17): Correct gift letter. Thank you. |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112175 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing for guideline exception. | Reviewer Comment (2026-02-20): Received 1008 with underwriter's
comment. Exception Cleared. Buyer Comment (2026-02-18): UW discretion |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000112175 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Borrower primary address on Cert is same as the subject address. | Reviewer Comment (2026-03-02): The Certificate of Non-Owner
Occupied received showing the borrower(s) at different address than the
subject. Exception Cleared. Buyer Comment (2026-02-26): Non-Owner |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114169 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Asset documents are not within XXXXdays from the note date | Reviewer Comment (2026-02-20): Usability 0% considered for XXXX
account #XXXX. Exception cleared. Buyer Comment (2026-02-18): XXXX account was not used to qualify the borrower, funds from XXXX XXXX were. Please cancel the exception. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000114034 | XXXXXX | XXXXXX | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | provided HO6 is till XXXX but blanket is till XXXX | Reviewer Comment (2026-02-25): Updated Master Policy received
and verified the details. Exception Cleared. Buyer Comment (2026-02-23): Master |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000113990 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence of UW discretion for borrower living rent free with other than a spouse. | Reviewer Comment (2026-02-20): Received 1008 with UW Discretion.
Exception Cleared. Buyer Comment (2026-02-18): uw discretion |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000113990 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Provide a Certificate of Good Standing dated within XXXX days of the Note date. | Reviewer Comment (2026-02-20): Received Certificate of Good
Standing. Exception Cleared. Buyer Comment (2026-02-18): Cogs |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114104 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Reviewer Comment (2026-02-24): The Certificate of Non-Owner
Occupied received showing the borrower(s) at different address than the
subject. Exception Cleared. Buyer Comment (2026-02-20): Please see form with section 4a completed. Thank you. |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000114121 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide rent checks for XXXX, XXXXand XXXX | Reviewer Comment (2026-02-20): Received rent check for XXXX,
XXXX and XXXX. Exception cleared. Buyer Comment (2026-02-18): rent checks |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114047 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Missing final statement, estimate provided. | Reviewer Comment (2026-02-23): Final SS received, exception
cleared. Buyer Comment (2026-02-19): Final SS |
02/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114011 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for borrower living rent free with non-spouse. | Reviewer Comment (2026-02-25): Updated 1008 received with
underwriter discretion for Borrower is living rent free along with rent free
letter. Exception Cleared. Buyer Comment (2026-02-23): uw discretion |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114083 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-02-23): Received OFAC search for
borrowing entity. Exception Cleared. Buyer Comment (2026-02-19): ofac |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114083 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower Certification is missing the signature of the second owner of the business entity. | Reviewer Comment (2026-02-23): Borrower is the sole owner of the
business entity. Exception Cleared. Buyer Comment (2026-02-19): XXXX is sole member |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114083 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for rent being paid in cash. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 |
Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-16): Lender approved exception at
origination with compensating factor. |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | NM | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | A Hazard Insurance Policy has been provided that will be effective on XXXX and will start after the Note Date. | Reviewer Comment (2026-02-26): Received Final closing statement
reflecting disbursement date as XXXX. Exception Cleared. Buyer Comment (2026-02-24): final SS is reporting disbursement date XXXX |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | The gift letter in the file was not dated. | Reviewer Comment (2026-02-26): Received gift letter with date
the funds were transferred. Exception Cleared. Buyer Comment (2026-02-24): see attached docs |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. | Reviewer Comment (2026-02-26): Received 1008 with underwriter's
comment. Exception Cleared. Buyer Comment (2026-02-24): UW discretion |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | The Hazard Insurance policy did not list Lender or Servicer as mortgagee. Please provide an updated policy disclosing XXXX (with an S) XXXX, ISAOA as the mortgage for the subject property. | Reviewer Comment (2026-03-04): Updated Hazard Insurance Policy
received disclosing XXXX (with an S) XXXX, ISAOA as the mortgage for the
subject property. Exception Cleared. Buyer Comment (2026-03-02): HOI |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Borrower has insufficient funds to close. Unable to verify receipt of gift funds, and gift letter was undated. | Reviewer Comment (2026-02-26): Received gift letter with date
the funds were transferred. Exception Cleared. Buyer Comment (2026-02-24): gift letter |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114114 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | The file is missing the final HUD-1. Copy in file is an estimate. | Reviewer Comment (2026-02-26): Received Final Closing Statement.
Exception Cleared. Buyer Comment (2026-02-24): Final SS |
02/26/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114036 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. | Reviewer Comment (2026-02-25): Received Occupancy Certificate.
Exception Cleared. Buyer Comment (2026-02-23): See form section 4A completed. Thank you. |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114122 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | A Hazard Insurance Policy has been provided that will be effective on XXXX and start after the Note Date. | Reviewer Comment (2026-02-26): Provided hazard insurance policy
with effective date of XXXX. Exception cleared. Buyer Comment (2026-02-24): Please see attached corrected HOI policy with effective date. |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114079 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing rent free credit exception. | Reviewer Comment (2026-02-26): Received UW discretion in the
file for borrower living rent free with someone. Exception Cleared. Buyer Comment (2026-02-24): UW discretion |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114101 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | 2 Certs are in the file, however one is missing the primary address and the other is missing the signature page. | Reviewer Comment (2026-02-26): Received Certificate of Non-Owner
Occupancy showing the borrower at an address different than the subject.
Exception cleared. Buyer Comment (2026-02-24): Non-owner |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114055 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | UW discretion is required for approving the borrower living rent free with non-spouse. | Reviewer Comment (2026-02-25): Received 1008 with underwriter's
comment. Exception Cleared. Buyer Comment (2026-02-23): UW discretion |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114038 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender approved exception to allow loan amount of XXXX versus guideline minimum loan amount of XXXX. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700 Representative FICO: XXXX |
Originator Pre-Close,SitusAMC | Reviewer Comment (2026-02-19): Lender granted exception approval
with compensating factors in loan file. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | AL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000114038 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | The Hazard Insurance policy did not list Lender or Servicer as mortgagee. Please provide an updated policy disclosing XXXX (with an S) XXXX, ISAOA as the mortgage for the subject property. | Reviewer Comment (2026-03-05): Received Hazard Insurance Policy.
Exception Cleared. Buyer Comment (2026-03-03): Please see updated dec page adding the "s" attached. Thank you. |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114081 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary Valuation is Missing in loan file. | Reviewer Comment (2026-02-27): Received Collateral Desktop
Analysis. Exception cleared. Buyer Comment (2026-02-25): CDA |
02/27/2026 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114144 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Missing the complete mortgagee on the master insurance. | Reviewer Comment (2026-02-27): Received Master Insurance in the
file. Exception Cleared. Buyer Comment (2026-02-25): Master Insurance |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114140 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/CD for the Borrower in the Loan file. | Reviewer Comment (2026-03-02): Received Final Closing Statement.
Exception Cleared. Buyer Comment (2026-02-26): Please see stamped HUD-1 attached. Thank you. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114099 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds missing in Loan File. | Reviewer Comment (2026-03-02): Operating agreement received and
verified the details. Exception Cleared. Buyer Comment (2026-02-26): OA |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114137 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation allowing this credit exception. | Reviewer Comment (2026-03-02): Received UW discretion in the
file for borrower living rent free with someone. Exception Cleared. Buyer Comment (2026-02-26): Please see attached XXXX final 1008 with rent free comments. Thank you. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114137 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provide evidence of signing authority for the Guarantor. Document must be signed by all owners of the entity. | Reviewer Comment (2026-03-06): Received corporate resolution
signed by all the members of the business entity. Exception cleared. Buyer Comment (2026-03-04): Please be attached. Thank you. |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114103 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. | Reviewer Comment (2026-03-03): Received Final Closing statement.
Exception Cleared. Buyer Comment (2026-02-27): final SS |
03/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NV | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114103 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Missing evidence of the signing authority document. | Reviewer Comment (2026-03-03): Received Borrowing Certificate.
Exception Cleared. Buyer Comment (2026-02-27): Corp resolution |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114100 | XXXXXX | XXXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary Valuation Missing in this loan file | Reviewer Comment (2026-03-06): Received CDA in the file.
Exception Cleared. Buyer Comment (2026-03-04): CDA Reviewer Comment (2026-03-04): Secondary Valuation is required as CU score is more than XXXX . Exception Remains. Buyer Comment (2026-03-02): FNMA SSR |
03/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXXX | 4000120862 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement provided was not executed. | Reviewer Comment (2026-03-30): Received Operating Agreement.
Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): signed |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 4000121597 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121597 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX | Reviewer Comment (2026-03-31): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-03-30): Comment from XXXX (XXXX): PCCD, LOE, Refund Check, Delivery confirmation |
XXXXXX | 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, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX | Reviewer Comment (2026-03-31): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-03-30): Comment from XXXX (XXXX): LOE, PCCD, refund check, Delivery Confirmation were uploaded in the other condition |
XXXXXX | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Please provide POCB Invoice for appraisal fee totaling XXXX to meet reserve requirements. | Reviewer Comment (2026-03-27): Received, cleared Seller Comment (2026-03-27): Comment from XXXX (XXXX): Appraisal Invoice has been provided |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Please provide paid invoice for POCB Appraisal Fee. | Reviewer Comment (2026-03-27): Received, cleared Seller Comment (2026-03-27): Comment from XXXX (XXXX): Appraisal Invoice |
03/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (XXXX): Unable to verify assets using reasonably reliable third-party records. | Please provide paid invoice for POCB Appraisal Fee. | Reviewer Comment (2026-03-27): Received, cleared Seller Comment (2026-03-27): Comment from XXXX (XXXX): Appraisal Invoice |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Please provide paid invoice for POCB Appraisal Fee. | Reviewer Comment (2026-03-27): Received appraisal POC invoice Seller Comment (2026-03-27): Comment from XXXX (XXXX): Appraisal Invoice |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000120783 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Please provide paid invoice for POCB Appraisal Fee. | Reviewer Comment (2026-03-27): Received, cleared |
03/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 4000121028 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXXX | 4000116766 | XXXXXX | XXXXXX | 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. | Preliminary Title Report is for XXXX. The Loan amount is XXXX. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXXX | 4000118224 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXXX | 2000000524 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000524 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 2000000524 | XXXXXX | XXXXXX | 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 XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXXX | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXXX | 4000119713 | XXXXXX | XXXXXX | 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 (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-04-02): XXXX received XXXX CD received 3
business days prior to consummation. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Initial CD |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 4000106585 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as XXXX on Loan Estimate but disclosed as XXXX on Final Closing Disclosure. | Reviewer Comment (2026-02-20): Sufficient Cure Provided At
Closing |
XXXXXX | 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 | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 4000106585 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-02-23): CDFI lender testing ATR. |
02/23/2026 | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXXX | 6000114033 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. | Properties zoned Agricultural are ineligible per the guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC | Reviewer Comment (2026-03-06): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-03-04): exception |
03/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CO | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000114033 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | All judgments must be paid in full at or prior to closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
Originator,SitusAMC | Reviewer Comment (2026-03-06): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-03-04): see attached exception Reviewer Comment (2026-03-02): Provided document does not verify satisfied or release of the judgment. Require Satisfaction of Lien/Judgment must be paid in full prior to or at closing. Exception Remains. Buyer Comment (2026-02-26): judgement Buyer Comment (2026-02-26): motion to quash |
03/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000114033 | XXXXXX | XXXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Minimum FICO XXXX for first time investor. Borrower has not had investment property in past 36 months. | Reviewer Comment (2026-03-03): Evidence of experience provided.
ie; Fraud Report along with provided property history report. Reviewer Comment (2026-03-02): Provided Property history report reflect bill of sale on XXXX however buyer/borrower and seller information not provided. Exception Remains. Buyer Comment (2026-02-26): proof of ownership commercial real estate |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114172 | XXXXXX | XXXXXX | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided | Borrower is foreign national without US credit, requires at least two tradelines reporting for XXXX+ months or one tradeline reporting for XXXX+ months. Need evidence of either U.S credit report or a letter from a verified institution in borrower's country confirming her credit history. | Reviewer Comment (2026-02-05): Borrower is Foreign National,
Credit Report is not required in the file. And borrower does not have current
housing history. Exception Cleared. Buyer Comment (2026-02-03): See attached |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114149 | XXXXXX | XXXXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Please provide borrower's signed copy of the 1003/Credit Application. | Reviewer Comment (2026-03-11): Executed credit application
received and verified the details. Exception Cleared. Buyer Comment (2026-03-09): please see signed copy |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114149 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Provide verification that the state tax lien on title in the amount of XXXX has been paid and released as required per guidelines.. Final title is required be free and clear of all liens. | Reviewer Comment (2026-03-11): Title Supplemental report
received and lien item has been removed. Exception Cleared. Buyer Comment (2026-03-09): please see title supplement , tax lien was removed |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114014 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Mortgagee is listed as XXXX and is required to show as XXXX. | Reviewer Comment (2026-02-24): Received hazard insurance policy
with corrected listing Lender or Servicer and its successors and assigns.
Exception cleared Buyer Comment (2026-02-20): Insurance |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114009 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide a XXXX month pay history for the primary residence. | Reviewer Comment (2026-02-23): Housing history verified till
XXXX for primary residence. Exception Cleared. Buyer Comment (2026-02-19): Program permits 1x30. We do not have Jan payment Buyer Comment (2026-02-19): D0108 XXXX reporting up to XXXX., D0113 XXXX , D0120 XXXX, D0115 XXXX |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | D | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114008 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing rate lock reflecting LLPA for living rent free and underwriter discretion documentation allowing for guideline exception. | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by XX points. |
Reserves: XXXX Guideline Requirement: 0.00 Guidelines Representative FICO: 700 Representative FICO: XXXX The representative FICO score exceeds the guideline minimum by 59 points. |
SitusAMC SitusAMC SitusAMC,Originator |
Reviewer Comment (2026-02-23): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-02-20): exception Buyer Comment (2026-02-19): Uw discretion Buyer Comment (2026-02-19): revised 1003 Buyer Comment (2026-02-19): rent free loe |
02/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000114085 | XXXXXX | XXXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File is short verified assets to closing. File is missing documentation for loans closing concurrently. | Reviewer Comment (2026-02-26): Received Closing Statement.
Exception Cleared. Buyer Comment (2026-02-24): #XXXX $XXXX Buyer Comment (2026-02-24): XXXX $XXXX Buyer Comment (2026-02-24): Cash out proceeds #XXXX $XXXX |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114085 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception in file for borrower renting from a private party and file is missing XXXX months cancelled checks/bank statements. However the compensating factors provided are not valid comp factors. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of XXXXis greater than the minimum required DSCR of 1.00. | SitusAMC,Originator | Reviewer Comment (2026-02-26): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-02-24): loe credit Buyer Comment (2026-02-24): comp factors are valid. DSCR is greater than XXXX and XXXX years investor experience. |
02/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NM | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXXX | 6000114085 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is required for all parties involved in the transaction - business entity is missing. | Reviewer Comment (2026-02-26): Received OFAC for Business
Entity. Exception Cleared. Buyer Comment (2026-02-24): ofac search |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114088 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing UW discretion for borrower living rent free. | Reviewer Comment (2026-02-26): Updated 1008 received with
underwriter discretion for Borrower is living rent free along with rent free
letter. Exception Cleared. Buyer Comment (2026-02-24): UW discretion |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114088 | XXXXXX | XXXXXX | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | First time investors must have a complete XXXX-month housing history. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700 Representative FICO: XXXX |
SitusAMC | Reviewer Comment (2026-02-26): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-02-24): exception |
02/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000114096 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-03-04): Received Final Closing statement.
Exception Cleared. Buyer Comment (2026-03-03): Final SS |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114096 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Per guidelines, all judgments and liens are required to be paid at or prior to closing. Fraud report reflects an open tax lien in the amount of XXXX and an open child support judgment in the amount of XXXX, which do not reflect paid/released. | The representative FICO score exceeds the guideline minimum by XX points. | The representative FICO score exceeds the guideline minimum by 36 points. | SitusAMC,Originator | Reviewer Comment (2026-03-09): Waived with compensating factors
per lender exception approval at origination. Buyer Comment (2026-03-05): exception Reviewer Comment (2026-03-04): Provided LOX states that the borrower not aware of any child support lien that would be filed against in the state of XXXX. A revised LOX is required to verify child support lien. Exception remains. Buyer Comment (2026-03-02): child support loe Buyer Comment (2026-03-02): tax lien release |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000114002 | XXXXXX | XXXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender approved exception to aallow loan amount of XXXX versus program minimum loan amount of XXXX . | Borrower's monthly reserves have been verified and exceed the
amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: XXXX Guideline Requirement: 0.00 Guidelines Representative FICO: 620 Representative FICO: XXXX |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-02-19): Lender approved exception at
origination with compensating factors. |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXXX | 6000114002 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Co-borrower disclosed Citizenship as US Citizen on the loan application, however, evidence of non-permanent resident alien was provided in the file. Please provide and updated loan application indication accurate citizenship status. | Reviewer Comment (2026-04-02): 1003 and proof of e-sign. Buyer Comment (2026-04-01): Corrected application. |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114072 | XXXXXX | XXXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The effective date disclosed on the Hazard Insurance Policy is after the Note date. | Reviewer Comment (2026-02-27): Received Hazard insurance with
correct date. Exception Cleared. Buyer Comment (2026-02-25): HOI |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114023 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Tax liens are required to be paid off. | Reviewer Comment (2026-03-02): Received certificate of release
of federal tax lien. Exception cleared. Buyer Comment (2026-02-26): release Buyer Comment (2026-02-26): federal tax lien |
03/02/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000114023 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. | Reviewer Comment (2026-03-02): Provided Non-Owner Occupancy
Declaration with primary residence address. Exception cleared. Buyer Comment (2026-02-26): Non-Owner |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114023 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-03-02): Received final HUD-1. Exception
cleared. Buyer Comment (2026-02-26): Final SS |
03/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114146 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The borrower's name on the Note did not match the business entity on the Operating Agreement or the Articles of Organization. Missing the "E" from the LLC name on the loan documents | Reviewer Comment (2026-03-23): Note document received and
verified. Exception cleared. Buyer Comment (2026-03-19): destroyed note affadavit Buyer Comment (2026-03-19): NOte |
03/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114146 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The borrower's name on the Security Instrument did not match the business entity on the Operating Agreement or the Articles of Organization. Missing the "E" from the LLC name on the loan documents | Reviewer Comment (2026-04-03): Received updated Security
Instrument in the file. Exception Cleared. Buyer Comment (2026-04-01): Recorded Mortgage uploaded. |
04/03/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114146 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Co-borrower disclosed marital status as married on the Credit Application, however, the file is missing the Spousal Consent required for the State of XXXX. The Guaranty disclosed non-borrowing spouse as not applicable. Please provide an updated credit application or corrected Guaranty Agreement. | Reviewer Comment (2026-04-13): Corrected 1003 for Morgan
received in trailing documents, reflecting updated marital status to
unmarried. Spousal consent not
required. Buyer Comment (2026-04-13): Please see uploaded docs. Reviewer Comment (2026-04-07): Updated guaranty agreement received; however, the file is missing the non-borrowing spouse's consent. The new guaranty agreement removed the non-borrowing spouse signature blocks, but credit application reflects guarantor XXXX is married. Spousal consent required for review of this condition. Buyer Comment (2026-04-07): Please see uploaded docs. |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114146 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The borrower's name on the Guaranty did not match the business entity on the Operating Agreement or the Articles of Organization. Missing the "E" from the LLC name on the loan documents | Reviewer Comment (2026-04-07): Corrected guarantor agreement and
LOE to borrower received in trailing docs. Buyer Comment (2026-04-07): Please see uploaded docs. |
04/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114043 | XXXXXX | XXXXXX | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | There are red flags on the fraud report that were not addressed. | Reviewer Comment (2026-02-27): Received fraud alert summary with
cleared status. Exception Cleared. Buyer Comment (2026-02-25): Please find attached clear final fraud guard. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXXX | 6000114153 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-03-25): Received clear OFAC search for
business entity. Exception cleared. Buyer Comment (2026-03-23): Please see attached Reviewer Comment (2026-03-20): Provided incomplete OFAC search result as footer with date & time of search is not scanned. Exception remains. Buyer Comment (2026-03-18): Please see attached |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114151 | XXXXXX | XXXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. | Reviewer Comment (2026-03-16): Received Certificate of Non-Owner
Occupancy Declaration showing show the borrower(s) at an address different
than the subject. Exception Cleared. Buyer Comment (2026-03-12): Please see attached |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114159 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent-free letter and LLPA are in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. | Reviewer Comment (2026-03-20): Received UW Discretion for
borrower living rent-free. Exception Cleared. Buyer Comment (2026-03-18): PFA |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114155 | XXXXXX | XXXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for trust. | Reviewer Comment (2026-03-30): OFAC provided. Buyer Comment (2026-03-30): PFA The XXXX. Thank you. Reviewer Comment (2026-03-27): The provided document reflects an incomplete trust name and is missing the document date. Exception Remains. Buyer Comment (2026-03-25): PFA Reviewer Comment (2026-03-24): Provided document is not an Office of Foreign Assets Control (OFAC) search. Require OFAC search for trust. Exception remains. Buyer Comment (2026-03-20): PFA Reviewer Comment (2026-03-19): Received XXXX.Gov search. Require OFAC for trust The XXXX. Exception Remains. Buyer Comment (2026-03-17): PFA |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114155 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for borrower living rent free. | Reviewer Comment (2026-03-19): Received UW discretion for
borrower living rent free. Exception Cleared. Buyer Comment (2026-03-17): PFA |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114154 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | There are XXXX sellers judgments on title that were not paid at closing. | Reviewer Comment (2026-03-25): Received judgment affidavit from
the seller stating they are not one and the same person named in the
judgments. Exception cleared. Buyer Comment (2026-03-23): These judgements were confirmed to not be our seller. Please find attached the judgment affidavit signed at closing. |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114152 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The file is missing the appraisal invoice from XXXX. | Reviewer Comment (2026-03-20): Received fully paid appraisal
invoice from XXXX Resources. Exception cleared. Buyer Comment (2026-03-19): PFA |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114152 | XXXXXX | XXXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-20): Provided supplemental title
report. Exception cleared. Buyer Comment (2026-03-18): PFA |
03/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXXX | 6000114152 | XXXXXX | XXXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW Discretion for borrower living rent free with non spouse. | Reviewer Comment (2026-03-26): Received 1008 with underwriter's
comment. Exception Cleared. Buyer Comment (2026-03-24): PFA Reviewer Comment (2026-03-20): Provided summary with mentioned of primary rent free. Require underwriter discretion addressing there is no concern for occupancy after reviewing credit package and LOE. Exception remains. Buyer Comment (2026-03-18): PFA |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (XXXX): Safe Harbor requirements not satisfied. | Lender on the appraisal is differ from the note. Appraisal transfer letter nor the appraisal invoice were provided. | Reviewer Comment (2026-02-17): Lender on Note was assigned loan
per Allonge provided. Buyer Comment (2026-02-17): XXXX is not asking for the condition to be waived. This also is not a Transferred appraisal, per LOX from seller they do mini corr loans. The attached documents show this is a third-party transaction (mini corr) loan closed in the name of XXXX and they endorsed the Note over to XXXX (who is our seller) and XXXX endorsed the Note over to XXXX. Reviewer Comment (2026-02-16): Per LOX provided, lender is asking for a waiver of this condition. This is an EV2 that client can elect to waive. Please confirm if that is what is being requested. Buyer Comment (2026-02-11): See attached LOX |
02/17/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | File is missing photo identification. | Reviewer Comment (2026-02-16): Received driver's license. Buyer Comment (2026-02-13): See attached |
02/16/2026 | 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 | Non QM | Non QM | No | |||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA is required to attest that they have no affiliation to the borrower or the business. | Reviewer Comment (2026-02-13): Received CPA letter and verified
CPA does not have any affiliation to the borrower or the business of
borrower. Exception Cleared. Buyer Comment (2026-02-11): CPA letter attached states no affiliation. |
02/13/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): 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.) | CPA is required to attest that they have no affiliation to the borrower or the business. | Reviewer Comment (2026-02-13): Received CPA letter and verified
CPA does not have any affiliation to the borrower or the business of
borrower. Exception Cleared. Buyer Comment (2026-02-11): CPA letter was uploaded |
02/13/2026 | 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 | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA is required to attest that they have no affiliation to the borrower or the business. | Reviewer Comment (2026-02-13): Received CPA letter and verified
CPA does not have any affiliation to the borrower or the business of
borrower. Exception Cleared. Buyer Comment (2026-02-11): CPA letter was uploaded |
02/13/2026 | 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 | Non QM | Non QM | No | |||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA is required to attest that they have no affiliation to the borrower or the business. | Reviewer Comment (2026-02-13): Received CPA letter and verified
CPA does not have any affiliation to the borrower or the business of
borrower. Exception Cleared. Buyer Comment (2026-02-11): CPA letter was uploaded |
02/13/2026 | 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 | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114179 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA is required to attest that they have no affiliation to the borrower or the business. | Reviewer Comment (2026-02-13): Received CPA letter and verified
CPA does not have any affiliation to the borrower or the business of
borrower. Exception Cleared. Buyer Comment (2026-02-11): CPA letter was uploaded |
02/13/2026 | 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 | Non QM | Non QM | No | ||||||||||
| XXXXXX | 6000114041 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX or XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee. Fee increased from XXXX to XXXX without a valid change of circumstance or cure | Reviewer Comment (2026-02-27): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Reviewer Comment (2026-02-26): PCCD and LOE were received; however, they both indicate that a refund was also sent to the borrower for the $XXXX XXXX Guaranty Fee. Please also provide a copy of the refund check and proof of delivery to the borrower of the cure and documents. |
XXXXXX | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXXX | 6000114041 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | TX | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114046 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-03-18): Received updated and initialed
final with corrected address. Buyer Comment (2026-03-18): Please see corrected reo on 1003 with initials. Thank you. Reviewer Comment (2026-03-09): Received Mortgage statement for the property XXXX, however the property address on Final 1003 is XXXX. Exception remains. Buyer Comment (2026-03-05): Please see attached. Please note XXXX regarding the XXXX statement this program does permit a 1x30 day late. Thank you. Reviewer Comment (2026-02-23): We are unable to verify the tax and insurance amount from HUD document for all reo properties. Required first payment letter, Note or taxes and insurance documents for all reo properties. Exception remains. Buyer Comment (2026-02-20): See property profile for XXXX property. Thank you. Buyer Comment (2026-02-20): Please note per XXXX guidelines HUD-1's provided to confirm Borrowers business is liable for the debt. Also see property profiles provided. Thank you. |
03/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXXX | 6000114046 | XXXXXX | XXXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-02-23): Initial 1003 received and
verified. Exception cleared. Buyer Comment (2026-02-19): Attached find signed Initial 1003. |
02/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Purchase | C | A | C | A | B | A | A | A | Exempt from ATR | N/A | No | ||||||||||||
| XXXXXX | 6000114105 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Tax verification document was not provided for the property on XXXXX XXXXX XXXXX. | Reviewer Comment (2026-03-04): First payment letter received
& associated. Exception cleared. Buyer Comment (2026-03-02): FPL |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment dated within XXXX days of note for XXXX to XXXX is not provided. | The qualifying DTI on the loan is at least 10% less than the
guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. |
DTI: XXXX% Guideline Maximum DTI: 50.00000% Reserves: XXXX Guideline Requirement: 3.00 Guidelines Representative FICO: 720 Representative FICO: XXXX Documentation Type: 1yr P&L w/o Bank Statements Disposable Income: $XXXX |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-03-11): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-03-09): exception Reviewer Comment (2026-03-09): VVOE provided for XXXX to XXXX is not dated within 10 calendar days. Reviewer Comment (2026-03-09): Required verbal verification of employment within 10 days of note for borrower and co-borrower's wage income. Provided is verification of CPA for P&L income. Exception remains. Buyer Comment (2026-03-05): VVOE |
03/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment dated within XXXX days of note for XXXX to XXXX is not provided. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Documentation Type: 1yr P&L w/o Bank Statements Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% Guidelines Representative FICO: 720 Representative FICO: XXXX |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-03-11): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-03-09): see attached exception Reviewer Comment (2026-03-09): Received VVOE for XXXX to XXXX, however it is not dated within 10 calendar days per the guidelines. Reviewer Comment (2026-03-09): Required verbal verification of employment within 10 days of note for borrower and co-borrower's wage income. Provided is verification of CPA for P&L income. Exception remains. Buyer Comment (2026-03-05): see attached VVOE |
03/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment dated within XXXX days of note for XXXX to XXXX is not provided. | Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Documentation Type: 1yr P&L w/o Bank Statements Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% Guidelines Representative FICO: 720 Representative FICO: XXXX |
Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-03-11): Waived with compensating factors
per lender exception approval. Buyer Comment (2026-03-09): see attached exception Reviewer Comment (2026-03-09): Received VVOE for XXXX to XXXX, however it is not dated within 10 calendar days per the guidelines. Reviewer Comment (2026-03-09): Required verbal verification of employment within 10 days of note for borrower and co-borrower's wage income. Provided is verification of CPA for P&L income. Exception remains. Buyer Comment (2026-03-05): see attached VVOE |
03/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing December and January payment. | Reviewer Comment (2026-02-27): Received December and January
statement to verify the payment history of REO property address
"XXXX". Exception Cleared. Buyer Comment (2026-02-25): Jan payment Buyer Comment (2026-02-25): Dec mtg payment |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-02): CDFI lender testing ATR |
03/02/2026 | 2 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing VVOE for secondary employment. | Reviewer Comment (2026-03-18): ATR tested resulting in Non QM.
Flipped LD to exempt from ATR to correct grading. Buyer Comment (2026-03-16): Please see attached Reviewer Comment (2026-03-12): The Lender exception only covers 1 borrower. A VVOE is required for each borrower covering the Employment from XXXX to XXXX. Provide an updated lender exception for each borrowers employment. Buyer Comment (2026-03-11): Please see attached |
03/18/2026 | 1 | A | A | A | A | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (XXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Waterfall due to missing VVOE for secondary employment. | Reviewer Comment (2026-03-18): Lender approved exception post
close with compensating factors Reviewer Comment (2026-03-18): Regraded to EV2-B based on post-close lender exception outlining alternate documentation used to verify employment. Buyer Comment (2026-03-16): Please see attached. Reviewer Comment (2026-03-12): The Lender exception only covers 1 borrower. A VVOE is required for each borrower covering the Employment from XXXX to XXXX. Provide an updated lender exception for each borrowers employment. Buyer Comment (2026-03-11): Please see attached |
03/18/2026 | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (XXXX): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Waterfall due to missing VVOE for secondary employment. | Reviewer Comment (2026-03-18): Lender approved exception post
close with compensating factors Reviewer Comment (2026-03-18): Regraded to EV2-B based on post-close lender exception outlining alternate documentation used to verify employment. Buyer Comment (2026-03-16): Please see attached. Reviewer Comment (2026-03-12): The Lender exception only covers 1 borrower. A VVOE is required for each borrower covering the P&L income and the Employment from XXXX to XXXX. Provide an updated lender exception for each borrowers employment. Buyer Comment (2026-03-11): Please see attached |
03/18/2026 | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (XXXX): 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 due to missing VVOE for secondary employment. | Reviewer Comment (2026-03-18): Received Lender exception and
compliance regrade. Buyer Comment (2026-03-16): Please see attached. Reviewer Comment (2026-03-12): The Lender exception only covers 1 borrower. A VVOE is required for each borrower covering the P&L income and the Employment from XXXX to XXXX. Provide an updated lender exception for each borrowers employment. Buyer Comment (2026-03-11): Please see attached |
03/18/2026 | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXXX | 6000114064 | XXXXXX | XXXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing VVOE for secondary employment. | Reviewer Comment (2026-03-18): ATR tested resulting in Non QM.
Flipped LD to exempt from ATR to correct grading. |
03/18/2026 | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | A | B | A | A | Non QM | Exempt from ATR | No |