|
Seller
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Queue
|
Created Date
|
Last Modified Date
|
Finding Status
|
Event Level
|
Finding Category
|
Finding Sub Category
|
Finding Name
|
Reviewer Comments
|
Seller Comments
|
Finding Resolution
|
Finding Document
|
Reviewer Comp Factors
|
Originator Comp Factors
|
State
|
Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Unique Finding ID
|
Acknowledged / Waived By
|
Waiver in File?
|
|
XXXXX
|
409044231
|
Closed
|
2026-02-16 06:40
|
2026-02-24 14:18
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXXXX - Initial Escrow Account Disclosure Statement.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7629715
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045732
|
Closed
|
2026-03-03 07:28
|
2026-03-11 13:07
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered At Least Seven Business Days Before Consummation
|
Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026
Resolved-Resolved - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Seller-03/10/2026
Open- - Due Diligence Vendor-03/06/2026
Open- - Due Diligence Vendor-03/03/2026
Open-The Initial Loan Estimate was delivered or placed in the mail on (XX/XX/XXXX), which is not seven business days before the consummation
date of (XX/XX/XXXX). Seven business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the seventh business day before consummation of the transaction.
(12 CFR 1026.19(e)(1)(iii)(B)) The initial Loan Estimate is dated XX/XX/XXXX. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of the initial Loan Estimate 7 business days prior to consummation of XX/XX/XXXX. No Cure.
- Due Diligence Vendor-03/03/2026
Open- - Due Diligence Vendor-03/03/2026
|
Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Seller-03/10/2026
|
Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026
Resolved-Resolved - Due Diligence Vendor-03/11/2026
|
XXXXXXX XXXXXXX - INITIAL LOAN ESTIMATE - XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7893326
|
N/A
|
N/A
|
||||
|
XXXXX
|
409045732
|
Closed
|
2026-03-03 07:28
|
2026-03-11 13:06
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application
|
Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026
Resolved-Resolved - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. INITIAL LOAN ESTIMATE - XX/XX/XXXX - Buyer-03/10/2026
Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from
the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan
Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure.
- Due Diligence Vendor-03/03/2026
Open- - Due Diligence Vendor-03/06/2026
Open- - Due Diligence Vendor-03/03/2026
Open- - Due Diligence Vendor-03/03/2026
|
Resolved-Lender provided the initial Loan Estimate - Due Diligence Vendor-03/11/2026
Resolved-Resolved - Due Diligence Vendor-03/11/2026
|
XXXXXXX XXXXXXX - INITIAL LOAN ESTIMATE - XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7893322
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044233
|
Closed
|
2026-02-16 11:07
|
2026-02-24 14:21
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7634165
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045733
|
Closed
|
2026-03-06 13:37
|
2026-04-29 13:16
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/11/2026
Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves.
The guidelines were updated and provided to XXXX on XX/XX/XXXX to specify that this is allowed. - Seller-03/09/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves
Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-03/06/2026
|
Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves.
The guidelines were updated and provided to XXXX on XX/XX to specify that this is allowed. - Seller-03/09/2026
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/11/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
7977668
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045733
|
Closed
|
2026-03-06 14:02
|
2026-03-25 16:18
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Audited Reserves of 86.01 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence
Vendor-03/11/2026
Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in
file. That is where the balance and monthly payment came from. - Seller-03/09/2026
Open-Audited Reserves of 2.85 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/06/2026
|
Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in
file. That is where the balance and monthly payment came from. - Seller-03/09/2026
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Audited Reserves of 86.01 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence
Vendor-03/11/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
7978374
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045733
|
Closed
|
2026-03-06 13:58
|
2026-03-12 14:36
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Required Documentation is Missing
|
Resolved-XXXX evidence provided - condition cleared - Due Diligence Vendor-03/12/2026
Ready for Review-Document Uploaded. Please see the XXXX statement. Thank you. - Seller-03/12/2026
Ready for Review-Document Uploaded. Please refer to the pre-close credit report. Pages 6-13 are the Open XXXX statement as new account
opened. - Seller-03/12/2026
Counter-Reviewed the loan file, please provide the XXXX statement as it was not in the loan file. - Due Diligence Vendor-03/11/2026
Ready for Review-The XXXX appeared as an inquiry on the Gap Report and then borrower opened a new account and we provided the statement in
file. That is where the balance and monthly payment came from. - Buyer-03/09/2026
Open-Missing evidence of balance and monthly payment for liability 3 from the final 1003. - Due Diligence Vendor-03/06/2026
|
Ready for Review-Document Uploaded. Please see the XXXX statement. Thank you. - Seller-03/12/2026
Ready for Review-Document Uploaded. Please refer to the pre-close credit report. Pages 6-13 are the Open XXXX statement as new account
opened. - Seller-03/12/2026
|
Resolved-AMEX evidence provided - condition cleared - Due Diligence Vendor-03/12/2026
|
XXXXXXX Pre-Close Credt.pdf
XXXXXXX XXXX statement.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
7978309
|
N/A
|
N/A
|
||||
|
XXXXX
|
409045733
|
Closed
|
2026-03-06 13:37
|
2026-03-11 11:49
|
Resolved
|
1 - Information
|
Credit
|
Assets
|
Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX
- Due Diligence Vendor-03/11/2026
Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves.
The guidelines were updated and provided to XXXX on XX/XX/XXXX to specify that this is allowed. - Seller-03/09/2026
Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence
Vendor-03/06/2026
|
Ready for Review-Borrower received back $XXXX at close from the cash out and the Underwriter used the cash out proceeds toward reserves.
The guidelines were updated and provided to XXXX on XX/XX to specify that this is allowed. - Seller-03/09/2026
|
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Verified Guidelines allowed for cash out to be used for reserves - Due Diligence Vendor-03/11/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of
$21834.84 - Due Diligence Vendor-03/11/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
7977667
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045784
|
Closed
|
2026-03-12 07:53
|
2026-03-25 14:42
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026
Ready for Review-Document Uploaded. Please see the attached pre-close credit report. Thank you. - Buyer-03/12/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-03/12/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/12/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
8068001
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045736
|
Closed
|
2026-03-09 09:39
|
2026-04-29 08:43
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A - Due Diligence Vendor-04/28/2026
Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other
agencies will be rated as A - Due Diligence Vendor-04/13/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. - Due Diligence Vendor-03/09/2026
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A - Due Diligence Vendor-04/28/2026
Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other
agencies will be rated as A - Due Diligence Vendor-04/13/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7997121
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409045737
|
Closed
|
2026-03-10 09:40
|
2026-03-10 10:27
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/10/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/10/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
8020053
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044238
|
Closed
|
2026-02-16 13:48
|
2026-02-24 14:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7638903
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044239
|
Closed
|
2026-02-13 11:53
|
2026-03-26 20:07
|
Waived
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited LTV Exceeds Guideline LTV
|
Waived-Audited LTV of XX% exceeds Guideline LTV of 65% Subject property is unleased, X% reduced on LTV as per the guideline. Per lender
guideline FICO 680, max LTV XX% for cash out - X% deduction = XX% LTV. Qualifying FICO is 696 vs Lender FICO of 709. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-02/13/2026
|
Waived-Audited LTV of XX% exceeds Guideline LTV of 65% Subject property is unleased, X% reduced on LTV as per the guideline. Per lender
guideline FICO 680, max LTV XX% for cash out - X% deduction = XX% LTV. Qualifying FICO is 696 vs Lender FICO of 709. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-02/13/2026
|
Qualifying FICO is 696 vs Lender FICO of 709; good credit
Experienced investor. Proof is in the file
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7613076
|
Originator Pre-Close
|
Yes
|
|||||
|
XXXXX
|
409044239
|
Closed
|
2026-02-13 11:02
|
2026-02-25 07:04
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrowing Entity Tax ID
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. BORROWING ENTITY TAX ID - Buyer-02/20/2026
Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/13/2026
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
|
XXXXXXX XXXXXXX - BORROWING ENTITY TAX ID.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7611514
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044242
|
Closed
|
2026-02-16 09:54
|
2026-02-24 14:18
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7632988
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044243
|
Closed
|
2026-02-15 07:32
|
2026-03-27 15:53
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Documentation 1
|
Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026
Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026
Ready for Review-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. MANAGING MEMBER CONSENT - XXXXX XXXX - Buyer-02/23/2026
Open-Managing Member/Unanimous Consent Agreement is missing from the loan file. Borrower is not 100% owner of the XXX. - Due Diligence
Vendor-02/15/2026
|
Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026
Resolved-Documentation received, finding resolved. - Due Diligence Vendor-03/27/2026
|
XXXXXXX XXXXXXX - MANAGING MEMBER CONSENT AGREEMENT.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7624555
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044244
|
Closed
|
2026-03-09 12:07
|
2026-03-09 12:07
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
8001135
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044244
|
Closed
|
2026-02-16 14:47
|
2026-02-28 14:49
|
Cured
|
2 - Non-Material
|
Compliance
|
TRID Tolerance
|
Insufficient Change of Circumstance (50001252)
|
Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the
amount of $XXX.XX. - Seller-02/25/2026
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within
each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is
provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR
1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated XX/XX/XXXX, does not reflects a Appraisal Fee of $XXX. Post-Closing CD dated XX/XX/XXXX reflects a Appraisal Fee of $XXX. The loan file did not contain a valid COC to support
the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/16/2026
|
Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the
amount of $XXX.XX. - Seller-02/25/2026
|
Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026
|
XXXXXXX FedEx Check Image and PCCD.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7640005
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044244
|
Closed
|
2026-02-16 14:47
|
2026-02-28 14:46
|
Cured
|
2 - Non-Material
|
Compliance
|
TRID Tolerance
|
Charges That Cannot Increase Test (50001251)
|
Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. Please see the attached FedEx label, check image & PCCD reflecting a refund to the borrower in the
amount of $XXX.XX. - Buyer-02/25/2026
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the
Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is
re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, does not reflects a Appraisal Fee of $XXX. Post-Closing CD dated XX/XX/XXXX reflects a Appraisal Fee of $XXX. The loan file did not contain a
valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence
Vendor-02/17/2026
Open- - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/16/2026
|
Cured-Recevied LOX, copy of check, fed ex label and PCCD. Condition cured. - Due Diligence Vendor-02/28/2026
|
XXXXXXX FedEx Check Image and PCCD.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7640004
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044244
|
Closed
|
2026-02-16 13:46
|
2026-02-24 14:17
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7638806
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044244
|
Closed
|
2026-02-19 05:42
|
2026-02-23 06:38
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Seller-02/20/2026
Open-Borrower 1 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due
Diligence Vendor-02/19/2026
|
Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Seller-02/20/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7692385
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044329
|
Closed
|
2026-02-17 08:28
|
2026-02-24 14:14
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/17/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7651734
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044329
|
Closed
|
2026-02-17 08:28
|
2026-02-24 14:14
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached E-Consent. Thank you. - Buyer-02/20/2026
Open-E-Consent documentation is missing for borrower(s). E-Sign Date (Earliest Date) is XX/XX/XXXX and E-Sign Disclosure Date (Earliest
Date) is XX/XX/XXXX - Due Diligence Vendor-02/17/2026
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026
|
XXXXXXX E-Consent.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7651736
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044329
|
Closed
|
2026-02-18 08:59
|
2026-02-23 07:04
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
Appraisal Delivery Does Not Conform To E-Sign Act
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026
Ready for Review-Please see the recently uploaded E-Consent. Thank you. - Buyer-02/20/2026
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to
appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/18/2026
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
7676680
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409045742
|
Closed
|
2026-02-20 09:05
|
2026-03-10 10:55
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-Confirmation of Delivery provided - cleared - Due Diligence Vendor-03/10/2026
Ready for Review-Please accept this confirmation of clerical changes only to the appraisal in question. - Buyer-03/09/2026
Counter-Received LOX, an appraisal signed XX/XX/XXXX, and proof of delivery XX/XX/XXXX. ECOA specific guideline: All copies of the
valuations(s) used to estimate the value of the property must be provided to the borrower at least 3 business days prior to consummation. Revised appraisals due to clerical errors must be provided to the borrower. Provide verification that the
XX/XX/XXXX appraisal was provided to the borrower. Condition remains. - Due Diligence Vendor-03/03/2026
Ready for Review-The ECOA guidelines only apply if revisions impact the value. It does not apply to clerical changes. - Buyer-02/26/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is
after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/20/2026
|
Resolved-Confirmation of Delivery provided - cleared - Due Diligence Vendor-03/10/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7720307
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409045742
|
Closed
|
2026-02-17 09:14
|
2026-02-24 14:13
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/17/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7652925
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045743
|
Closed
|
2026-02-18 06:18
|
2026-03-06 15:36
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026
Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Buyer-03/04/2026
Open-Housing History Does Not Meet Guideline Requirements Missing 12 months VOR - Due Diligence Vendor-02/18/2026
|
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026
|
XXXXXXX VOR.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7673314
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045743
|
Closed
|
2026-02-18 06:18
|
2026-03-06 15:36
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Credit History taken into consideration does not meet requirements
|
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/06/2026
Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-03/06/2026
Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Seller-03/04/2026
Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing 12 months VOR - Due Diligence Vendor-02/18/2026
|
Ready for Review-Document Uploaded. Please see the attached VOR. Thank you. - Seller-03/04/2026
|
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/06/2026
Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-03/06/2026
|
XXXXXXX VOR.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7673315
|
N/A
|
N/A
|
||||
|
XXXXX
|
409045743
|
Closed
|
2026-02-14 13:53
|
2026-02-24 13:22
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing . This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-02/14/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7622959
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045743
|
Closed
|
2026-02-14 14:32
|
2026-02-23 06:49
|
Resolved
|
1 - Information
|
Credit
|
Insurance
|
Hazard Insurance Shortfall
|
Resolved-Lender provided Replacement Cost Estimate. Hazard insurance coverage of $XXX,XXX.XX is sufficient per XXX. Condition cleared. -
Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached XXX. Thank you. - Buyer-02/20/2026
Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-02/14/2026
|
Resolved-Lender provided Replacement Cost Estimate. Hazard insurance coverage of $XXX,XXX.XX is sufficient per XXX. Condition cleared. -
Due Diligence Vendor-02/23/2026
|
XXXXXXX RCE.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7623046
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044250
|
Closed
|
2026-02-13 08:48
|
2026-02-24 13:33
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7607761
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044255
|
Closed
|
2026-02-18 12:59
|
2026-02-28 13:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is
after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/18/2026
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7682872
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044328
|
Closed
|
2026-02-16 10:09
|
2026-02-23 07:00
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
Appraisal Delivery Does Not Conform To E-Sign Act
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to
appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/16/2026
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/23/2026
|
ECONSENT.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7633172
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044328
|
Closed
|
2026-02-16 08:24
|
2026-02-23 06:58
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-E-Consent documentation is missing for borrower(s). E-Consent documentation provided date is XX/XX/XXXX and Earliest E-Sign Disclosure
Date XX/XX/XXXX - Due Diligence Vendor-02/16/2026
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/23/2026
|
ECONSENT.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7631446
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044260
|
Closed
|
2026-02-18 14:00
|
2026-02-28 15:00
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. . - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is
after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/18/2026
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. . - Due Diligence Vendor-02/28/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7684189
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044261
|
Closed
|
2026-02-17 10:52
|
2026-02-28 14:56
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is
after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-02/17/2026
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7657292
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044261
|
Closed
|
2026-02-17 11:40
|
2026-02-20 08:47
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see the attached Gap Report. Thank you. - Buyer-02/19/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/17/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7658722
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044262
|
Closed
|
2026-02-12 12:13
|
2026-02-24 13:45
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7587845
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044262
|
Closed
|
2026-02-12 12:13
|
2026-02-24 13:45
|
Resolved
|
1 - Information
|
Compliance
|
Right to Rescind
|
TILA: NORTC Incomplete for one or more borrowers/vested parties
|
Resolved-TILA: NORTC is provided - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Buyer-02/19/2026
Open-TILA: NOTRC is incomplete for one or more borrowers/ vested parties NOTRC provided in file is missing the date of transaction and date
of cancel. - Due Diligence Vendor-02/12/2026
|
Resolved-TILA: NORTC is provided - Due Diligence Vendor-02/20/2026
|
XXXXXXX Right to Cancel.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7587844
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044262
|
Closed
|
2026-02-12 13:09
|
2026-02-20 06:43
|
Resolved
|
1 - Information
|
Compliance
|
Rescission:Disbursement
|
Federal - Right of Rescission (Loan Disbursement Violation) (TILA)
|
Resolved-Loan disbursed on XX/XX/XXXX after the rescission end period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Seller-02/19/2026
Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX).
Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The file did not contain a complete NORTC to verify Right of Rescission
adherence. Additional conditions may apply upon receipt. - Due Diligence Vendor-02/12/2026
Open- - Due Diligence Vendor-02/17/2026
Open- - Due Diligence Vendor-02/13/2026
Open- - Due Diligence Vendor-02/12/2026
Open- - Due Diligence Vendor-02/12/2026
Open- - Due Diligence Vendor-02/12/2026
Open- - Due Diligence Vendor-02/12/2026
Open- - Due Diligence Vendor-02/12/2026
|
Ready for Review-Document Uploaded. Please see the attached Notice of Right To Cancel. Thank you. - Seller-02/19/2026
|
Resolved-Loan disbursed on XX/XX/XXXX after the rescission end period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XXXXXXX Right to Cancel.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7589116
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044264
|
Closed
|
2026-02-12 13:31
|
2026-02-19 16:31
|
Resolved
|
1 - Information
|
Credit
|
Insurance
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance
Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026
Ready for Review-A hazard insurance policy for the subject property with a policy period from XX/XX/XXXX to XX/XX/XXXX was received. - Due
Diligence Vendor-02/19/2026
Ready for Review-Document Uploaded. Hazard Insurance Eff-XX/XX/XXXX-XX/XX/XXXX - Buyer-02/19/2026
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/12/2026
|
Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Hazard Insurance
Effective Date Is Not Provided - Due Diligence Vendor-02/19/2026
|
XXXXXXX XXXXXXX - Hazard Insurance EFF-XX/XX/XXXX-XX/XX/XXXX.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7589535
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045752
|
Closed
|
2026-03-07 07:03
|
2026-03-11 10:37
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Required Documentation is Missing
|
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. Please see the attached LOE regarding rent-free living. Thank you. - Buyer-03/10/2026
Open-Missing Rent-Free letter of explanation - Due Diligence Vendor-03/07/2026
|
Resolved-Lender provided - condition cleared - Due Diligence Vendor-03/11/2026
|
XXXXXXX LOE for Rent Free Living.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7984724
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044265
|
Closed
|
2026-02-18 10:30
|
2026-02-24 13:40
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Investment
|
Refinance
|
No Cash Out - Borrower Initiated
|
7678658
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044270
|
Closed
|
2026-02-17 18:47
|
2026-02-24 13:34
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7669251
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044274
|
Closed
|
2026-02-15 11:11
|
2026-02-25 07:12
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-Signed Acknowledgement of Receipt of Appraisal was provided. Condition cleared. - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. See attached acknowledgement of receipt. - Buyer-02/24/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The Most recent Primary Appraisal date XX/XX/XXXX was
after the delivery date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-02/15/2026
|
Resolved-Signed Acknowledgement of Receipt of Appraisal was provided. Condition cleared. - Due Diligence Vendor-02/25/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7625219
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044277
|
Closed
|
2026-02-27 07:11
|
2026-02-27 10:42
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrowing Entity Tax ID
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/27/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/27/2026
Ready for Review-Document Uploaded. Please see the attached Tax ID for the borrower, XXX, XXX. Thank you. - Buyer-02/27/2026
Open-Missing Borrowing Entity Tax ID. Missing Borrowing Entity Tax ID - Due Diligence Vendor-02/27/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/27/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/27/2026
|
XXXXXXX - XXX Tax ID.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7842245
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044278
|
Closed
|
2026-02-16 09:09
|
2026-03-09 09:33
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrowing Entity Tax ID
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. BORROWING ENTITY TAX ID - Buyer-02/24/2026
Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
|
XXXXXXX XXXXXXX - BORROWING ENTITY TAX ID.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7632108
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045787
|
Closed
|
2026-03-06 12:50
|
2026-03-25 15:53
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-Documentation provided in file - cleared - Due Diligence Vendor-03/10/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026
Ready for Review-Please review pages 140 - 153 of the shipped loan package for the XXXXXXXX XXXXXXXXXX XXXXXX dated XX/XX/XXXX -
XX/XX/XXXX. Kindly waive this condition as the document was provided at loan delivery. Thank you for your assistance. - Buyer-03/09/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Guidelines for Asset Utilization require
6-month seasoning of all assets. The account used for income, ending in #XXXX, only has 5 months in file. Missing XX/XX/XXXX statement. - Due Diligence Vendor-03/06/2026
|
Resolved-Documentation provided in file - cleared - Due Diligence Vendor-03/10/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7976679
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-12 14:10
|
2026-04-10 08:40
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
Acknowledged- - Due Diligence Vendor-03/12/2026
Open- - Due Diligence Vendor-02/28/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. - Due Diligence Vendor-02/12/2026
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7590856
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-12 14:10
|
2026-02-28 14:20
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Appraisal delivery date XX/XX/XXXX is prior to Appraisal
signature date XX/XX/XXXX, This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026
|
Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/28/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7590857
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-12 10:15
|
2026-02-24 13:24
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Seller-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026
|
Ready for Review-Document Uploaded. IEADS attached. - Seller-02/23/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7585415
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-12 13:42
|
2026-02-20 07:12
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements
|
Resolved-Gap credit report provided which verified the new credit. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Please see the recently uploaded Pre-Close Credit Report, reporting the newly opened Wells Fargo card. Thank you. -
Buyer-02/19/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing supporting document for a newly opened
revolving account with payment of $XXX.XX verified per credit inquiries. - Due Diligence Vendor-02/12/2026
|
Resolved-Gap credit report provided which verified the new credit. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7589821
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-12 13:47
|
2026-02-20 07:11
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Required Documentation is Missing
|
Resolved-Gap credit report verified new credit. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Please see the recently uploaded Pre-Close Credit Report, reporting the newly opened XXXXX XXXXX card. Thank you. -
Buyer-02/19/2026
Open-Missing supporting document for a newly opened revolving account with payment of $XXX.XX verified per credit inquiries. - Due Diligence
Vendor-02/12/2026
|
Resolved-Gap credit report verified new credit. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7589893
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409044280
|
Closed
|
2026-02-13 07:34
|
2026-02-20 07:08
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see the attached Gap Report. Thank you. - Buyer-02/19/2026
Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national credit
repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is missing
in file. - Due Diligence Vendor-02/13/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7606081
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044281
|
Closed
|
2026-02-20 07:46
|
2026-02-24 13:53
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/20/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7718067
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044281
|
Closed
|
2026-02-20 07:42
|
2026-02-23 07:47
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026
Open-Borrower 2 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due
Diligence Vendor-02/20/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7717996
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044281
|
Closed
|
2026-02-20 07:42
|
2026-02-23 07:46
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026
Open-Borrower 1 Gap Credit Report is Missing Required per lender guideline. Gap credit within 10 business days of closing is missing - Due
Diligence Vendor-02/20/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7717995
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044282
|
Closed
|
2026-02-16 08:55
|
2026-03-27 15:52
|
Resolved
|
1 - Information
|
Credit
|
Assets
|
Insufficient asset documentation in file - assets do not cover closing costs
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/27/2026
Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XX,XXX.XX less cash to close of
$XXX,XXX.XX = $XXX,XXX.XX shortage of funds to close.
- Due Diligence Vendor-02/16/2026
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/27/2026
|
FINAL 1031 BALANCE.pdf
SUBJECT Final SASS-HUD-1 SHOWING RECEIPT OF 1031 FUNDS.pdf
1031 EXCHANGE FUNDS TO CLOSE.pdf
SALE OF REO FOR CASH TO CLOSE.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7631900
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044297
|
Closed
|
2026-02-16 12:12
|
2026-02-24 13:58
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7635986
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044297
|
Closed
|
2026-02-16 06:49
|
2026-02-24 13:58
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. E CONSENT - Buyer-02/19/2026
Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/16/2026
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026
|
XXXXXXX XXXXXXX - E CONSENT INITIAL DISCLOSURES.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7629837
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045761
|
Closed
|
2026-03-25 15:37
|
2026-04-29 08:44
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A - Due Diligence Vendor-04/28/2026
Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other
agencies will be rated as A - Due Diligence Vendor-04/13/2026
Acknowledged- - Due Diligence Vendor-03/25/2026
Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other
agencies will be rated as A. - Due Diligence Vendor-03/25/2026
|
Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A - Due Diligence Vendor-04/28/2026
Resolved-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other
agencies will be rated as A - Due Diligence Vendor-04/13/2026
|
XX
|
Investment
|
Purchase
|
NA
|
8320412
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409045795
|
Closed
|
2026-03-04 07:10
|
2026-03-11 10:54
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Condo Master Insurance Policy
|
Resolved-LOX provided by Lender - not required - condition cleared - Due Diligence Vendor-03/11/2026
Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-03/11/2026
Ready for Review-After consulting with the Processing team, they clarified that there is no master condo policy, as this is a unique
situation where a side‑by‑side property was converted into a condo without an XXX. Thank you. - Buyer-03/10/2026
Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-03/04/2026
|
Resolved-LOX provided by Lender - not required - condition cleared - Due Diligence Vendor-03/11/2026
Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-03/11/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7915908
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409044345
|
Closed
|
2026-02-16 07:57
|
2026-02-24 14:12
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7631000
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044345
|
Closed
|
2026-02-16 07:57
|
2026-02-24 14:12
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. E CONSENTS - Buyer-02/19/2026
Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-02/16/2026
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026
|
XXXXXXX XXXXXXX - E CONSENT XX/XX/XXXX.pdf
XXXXXXX XXXXXXX - E CONSENT.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7631002
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044345
|
Closed
|
2026-02-16 08:33
|
2026-02-20 09:15
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Closing Disclosure and Consummation Date
|
Resolved-Lender provided Initial CD. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. See attached initial CD. - Seller-02/20/2026
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX).
Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation.
(12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/16/2026
Open- - Due Diligence Vendor-02/16/2026
|
Ready for Review-Document Uploaded. See attached initial CD. - Seller-02/20/2026
|
Resolved-Lender provided Initial CD. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XXXXXXX - Initial CD.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7631591
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044344
|
Closed
|
2026-02-16 11:41
|
2026-04-10 06:37
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-Audited Reserves of 9.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence
Vendor-02/23/2026
Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE -
XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW).
GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).
XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Buyer-02/20/2026
Open-Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-02/16/2026
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-Audited Reserves of 9.21 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence
Vendor-02/23/2026
|
XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf
XXXXXXX XXXXXXX - GIFT FUNDS.pdf
XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7634846
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044344
|
Closed
|
2026-02-16 10:09
|
2026-02-24 13:26
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7633175
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044344
|
Closed
|
2026-02-17 07:40
|
2026-02-23 08:35
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE -
XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW).
GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).
XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Seller-02/20/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves
Post-Close is less than Total Required Reserve Amount - Due Diligence Vendor-02/17/2026
|
Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE -
XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW).
GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).
XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Seller-02/20/2026
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/23/2026
|
XXXXXXX XXXXXXX - GIFT FUNDS.pdf
XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf
XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7650479
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044344
|
Closed
|
2026-02-16 11:24
|
2026-02-23 08:34
|
Resolved
|
1 - Information
|
Credit
|
Assets
|
Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $32241.96
- Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. TOTAL ASSETS INCLUDED IN THE LOAN CLOSING PACKAGE -
XXX FUNDS HELD AT ESCROW $XX,XXX (COPY OF CHECK AND CONFIRMATION FROM ESCROW EMAIL FROM ESCROW).
GIFT FUNDS $XX,XXX WIRED TO ESCROW (GIFT LETTER AND WIRE RECEIPT).
XXX REFUND TO BORROWER VIA WIRE (ESCROW LEDGER AND OUTGOING WIRE RECEIPT) - Buyer-02/20/2026
Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $32241.96 Total Qualified
Assets for Reserves Post-Close is less than Total Required Reserve Amount
- Due Diligence Vendor-02/16/2026
|
Resolved-Borrower received $XX,XXX at closing which is the reimbursement of the XXX from the original purchase of the subject property, held
by the Seller/Lender. Proof of disbursement was provided. Sufficient funds have been verified to meet reserve requirements. Condition cleared. - Due Diligence Vendor-02/23/2026
Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $32241.96
- Due Diligence Vendor-02/23/2026
|
XXXXXXX XXXXXXX - GIFT FUNDS.pdf
XXXXXXX XXXXXXX - XXX FUNDS RETURNED BACK TO THE BORROWER - LEDGER FROM ESCROW.pdf
XXXXXXX XXXXXXX - XXX FUNDS HELD AT ESCROW $XX,XXX - XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7634541
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045763
|
Closed
|
2026-03-10 15:37
|
2026-03-25 12:03
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrower Identification - Borrower 1
|
Resolved-Lender provided completed Patriot Act Form - Due Diligence Vendor-03/11/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/11/2026
Ready for Review-Document Uploaded. Please see the attached completed Patriot Act. Thank you. - Buyer-03/11/2026
Open-Missing Borrower Identification - Borrower 1. The Patriot Act Form in file is signed but is not completed with the document information
that was verified. - Due Diligence Vendor-03/10/2026
|
Resolved-Lender provided completed Patriot Act Form - Due Diligence Vendor-03/11/2026
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/11/2026
|
XXXXXXX Patriot Act Complete.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
8030409
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044326
|
Closed
|
2026-02-18 10:26
|
2026-04-10 08:39
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
Acknowledged- - Due Diligence Vendor-03/17/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. - Due Diligence Vendor-02/18/2026
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
7678582
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044326
|
Closed
|
2026-02-18 08:30
|
2026-02-24 13:43
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/18/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7676067
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044334
|
Closed
|
2026-02-13 08:30
|
2026-02-24 13:38
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-02/13/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7607298
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044334
|
Closed
|
2026-02-17 11:39
|
2026-02-20 09:25
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
Ready for Review-Document Uploaded. Please see the attached Gap Credit Report. Thank you. - Buyer-02/19/2026
Open-Borrower 1 Gap Credit Report is Missing The lender guideline 12.1.6 required a pre-close credit report or a Debt Monitoring Service
dated within 10 business days of closing. The file is missing either a pre-close credit report or a Debt Monitoring Service dated within 10 business days of closing - Due Diligence Vendor-02/17/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/20/2026
|
XXXXXXX Gap Report.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7658712
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044299
|
Closed
|
2026-02-18 08:03
|
2026-02-24 14:06
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/18/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7675450
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-19 16:01
|
2026-03-10 14:09
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Credit History taken into consideration does not meet requirements
|
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/23/2026
Resolved-VOR provided for missing period (XX/XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition
cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXXX, XX XXXXX. Thank you. -
Seller-02/20/2026
Open-ATR Risk - Credit History taken into consideration does not meet requirements The lender guideline 12.6.1 requires verification of the
most recent 12 months rental history. The file contains 2 VOR's that only cover the prior 7 months rental history. The file is missing verification of the prior 5 months rental history. - Due Diligence Vendor-02/19/2026
|
Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXX, XX XXXXX. Thank you. -
Seller-02/20/2026
|
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/23/2026
Resolved-VOR provided for missing period (XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition
cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX VOR XXXX XXXXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7708309
|
N/A
|
N/A
|
||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-18 06:46
|
2026-03-01 16:41
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
TRID: Missing Closing Disclosure
|
Resolved-Final settlement statement matches the PCCD. - Due Diligence Vendor-03/01/2026
Ready for Review-To add further context, this was neither a tolerance nor timing violation. The costs that increased are not subject to
tolerance and do not require a three day waiting period. We issued a PCCD after closing to accurately disclose the borrower fees and match the final SASS. We believe this is a non-material finding. - Buyer-02/27/2026
Ready for Review-No final CD was provided because only the interest and taxes increased, which are not subject to tolerance. The borrower
did receive a CD at least three days prior to closing (the initial CD), and we provided a PCCD after closing to the borrower. - Buyer-02/27/2026
Counter-The finding is for the missing consummation Closing Disclosure. Note date XX/XX/XXXX. The loan file contained only the initial CD
dated XX/XX/XXXX and post-close CD dated XX/XX/XXXX. The loan file is missing the closing/consummation CD. Compliance testing is not complete, additional conditions may apply. - Due Diligence Vendor-02/25/2026
Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is
within the 0.125 tolerance. - Buyer-02/24/2026
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-02/18/2026
|
Resolved-Final settlement statement matches the PCCD. - Due Diligence Vendor-03/01/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7674011
|
N/A
|
N/A
|
||||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-18 08:16
|
2026-02-25 07:48
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR)
|
Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is
not required. Condition cleared. - Due Diligence Vendor-02/25/2026
Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is
within the 0.125 tolerance. - Seller-02/24/2026
Open- - Due Diligence Vendor-02/19/2026
Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation
date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the Last Disclosed Closing Disclosure APR (7.021). Under Regulation Z, if the APR is inaccurate, a consumer
must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after
the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which
is not at least 6 business days before the consummation date of (XX/XX/XXXX) - Due Diligence Vendor-02/18/2026
Open- - Due Diligence Vendor-02/18/2026
|
Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is
within the 0.125 tolerance. - Seller-02/24/2026
|
Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is
not required. Condition cleared. - Due Diligence Vendor-02/25/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7675729
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-18 08:16
|
2026-02-25 07:47
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person
|
Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is
not required. Condition cleared. - Due Diligence Vendor-02/25/2026
Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is
within the 0.125 tolerance. - Seller-02/24/2026
Open- - Due Diligence Vendor-02/19/2026
Open-The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6 business days before the consummation
date of (XX/XX/XXXX). The (0.0) APR disclosed on the Prior Closing Disclosure provided on (XX/XX/XXXX) is inaccurate when compared to the actual APR of (7.019). Under Regulation Z, if the APR is inaccurate, a consumer must receive corrected
Closing Disclosures no later than 3 business days before the consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing
Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The Last Closing Disclosure was provided on (XX/XX/XXXX) via (Other), which is not at least 6
business days before the consummation date of (XX/XX/XXXX) - Due Diligence Vendor-02/18/2026
Open- - Due Diligence Vendor-02/18/2026
|
Ready for Review-The APR increase from the initial CD to the post-closing CD is only 0.036 which shouldn't require a new 3-day wait as it is
within the 0.125 tolerance. - Seller-02/24/2026
|
Resolved-Initial CD dated XX/XX/XXXX APR is 6.985% and post-close CD dated XX/XX/XXXX APR is 7.021%, a variance of 0.036. Re-disclosure is
not required. Condition cleared. - Due Diligence Vendor-02/25/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7675723
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-19 16:01
|
2026-02-23 08:50
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Resolved-VOR provided for missing period (XX/XXXX to XX/XXXX). Rental history for the past 12 months has been provided. Condition
cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached VOR for XXXX XXXXXXXXX XXXXXXXXX XXX XXXX XXXXXXXX, XX XXXXX. Thank you. -
Buyer-02/20/2026
Open-Housing History Does Not Meet Guideline Requirements The lender guideline 12.6.1 requires verification of the most recent 12 months
rental history. The file contains 2 VOR's that only cover the prior 7 months rental history. The file is missing verification of the prior 5 months rental history. - Due Diligence Vendor-02/19/2026
|
Resolved-VOR provided for missing period (XX/XXXX to XX/XX/XXXX). Rental history for the past 12 months has been provided. Condition
cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX VOR XXXX XXXXXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7708308
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044333
|
Closed
|
2026-02-18 06:05
|
2026-02-23 08:41
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached E-consent. Thank you. - Seller-02/20/2026
Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/18/2026
|
Ready for Review-Document Uploaded. Please see the attached E-consent. Thank you. - Seller-02/20/2026
|
Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX XXXXXX E-Consent.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7673164
|
N/A
|
N/A
|
||||
|
XXXXX
|
409045765
|
Closed
|
2026-03-09 09:39
|
2026-03-25 15:33
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements
|
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. - Buyer-03/13/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The Borrower Authorization to Close Out Home
Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/09/2026
|
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/16/2026
|
XXXXXXX auth to close.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7997126
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045765
|
Closed
|
2026-03-09 12:34
|
2026-03-16 07:43
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
HELOC Closure Letter Not Provided
|
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. - Buyer-03/13/2026
Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/09/2026
|
Resolved-Lender provided documentation - condition cleared - Due Diligence Vendor-03/16/2026
|
XXXXXXX auth to close.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
8001900
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045765
|
Closed
|
2026-03-09 12:26
|
2026-03-11 14:12
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/09/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/09/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
8001752
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044301
|
Closed
|
2026-02-18 15:43
|
2026-02-23 09:01
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached GAP Report. Thank you. - Buyer-02/20/2026
Open-Borrower 1 Gap Credit Report is Missing The lender guideline 12.1.6 requires a gap credit report from at least one of three major
national credit repositories, or a Debt Monitoring Service within 10 business days of closing. - Due Diligence Vendor-02/18/2026
|
Resolved-Lender provided gap credit report. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
7685648
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044302
|
Closed
|
2026-02-16 09:47
|
2026-02-24 09:00
|
Resolved
|
1 - Information
|
Property
|
Value
|
Missing Post Close Valuation - 1
|
Resolved-XXXXX XXXXXXX XXXXX XXX report was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. XXXXX XXXXXXX per final cd. - Buyer-02/23/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. Based on the final closing disclosure, there was
a secondary valuation ordered. No secondary valuation is present in the loan file. - Due Diligence Vendor-02/17/2026
|
Resolved-XXXXX XXXXXXX XXXXX XXX report was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX AVM-PCI report.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
7632884
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044303
|
Closed
|
2026-02-17 13:56
|
2026-02-24 13:32
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7661685
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045768
|
Closed
|
2026-03-11 11:27
|
2026-03-11 11:35
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/11/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will
be rated as A. - Due Diligence Vendor-03/11/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
8050115
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044343
|
Closed
|
2026-02-17 16:20
|
2026-04-10 08:38
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
Acknowledged- - Due Diligence Vendor-03/02/2026
Open- - Due Diligence Vendor-02/28/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. - Due Diligence Vendor-02/17/2026
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7664309
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044343
|
Closed
|
2026-02-17 16:10
|
2026-02-28 14:30
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
ECOA: Appraisal Not Provided to Applicant
|
Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/28/2026
Ready for Review-Document Uploaded. See attached borrower acknowledgement of receipt of appraisal. - Buyer-02/25/2026
Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-02/17/2026
|
Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/28/2026
|
XXXXXXX Acknowledgement of Receipt of Appraisal or Valuation.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7664166
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044343
|
Closed
|
2026-02-17 09:52
|
2026-02-24 14:10
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
7654544
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045770
|
Closed
|
2026-02-18 09:12
|
2026-02-24 13:25
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/18/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7676993
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044319
|
Closed
|
2026-02-17 07:54
|
2026-02-24 13:57
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7651001
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044319
|
Closed
|
2026-02-17 10:23
|
2026-02-23 09:28
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
Appraisal Delivery Does Not Conform To E-Sign Act
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to
appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/17/2026
|
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
ECONSENT.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7656684
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044306
|
Closed
|
2026-02-17 12:52
|
2026-02-24 13:54
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/17/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7660596
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045796
|
Closed
|
2026-02-16 15:10
|
2026-03-06 15:39
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing VOM or VOR
|
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/06/2026
Ready for Review-Document Uploaded. Hello. Please see the attached corrected and initialed Final URLA and signed LOE. Thank you for your
help. - Buyer-03/05/2026
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower's current address based on the 1003 provided,
does not match the most recent lease in file. - Due Diligence Vendor-02/17/2026
|
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/06/2026
|
XXXXXXX LOE for Final URLA Address.pdf
XXXXXXX Final URLA with Address Corrected.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7640353
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045796
|
Closed
|
2026-02-16 15:22
|
2026-02-24 13:41
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/16/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7640561
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045796
|
Closed
|
2026-02-16 13:23
|
2026-02-23 09:37
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Final Application (1003)
|
Resolved-Lender provided final 1003. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. Please see the attached Final URLA. Thank you. - Buyer-02/20/2026
Open-The Final 1003 is Missing - Due Diligence Vendor-02/16/2026
|
Resolved-Lender provided final 1003. Condition cleared. - Due Diligence Vendor-02/23/2026
|
XXXXXXX Final URLA.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
7637820
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044308
|
Closed
|
2026-02-17 10:30
|
2026-04-10 08:39
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
Acknowledged- - Due Diligence Vendor-03/09/2026
Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be
rated as A. - Due Diligence Vendor-02/17/2026
|
Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-04/10/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
7656826
|
Investor Post-Close
|
No
|
||||||
|
XXXXX
|
409044308
|
Closed
|
2026-02-17 10:35
|
2026-03-09 10:24
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements
|
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026
Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Required supporting documents to verify the HOA payment for
the subject property. - Due Diligence Vendor-02/17/2026
|
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026
Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
$XXX ANNUAL RD MAINTENANCE FEE.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7656931
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044308
|
Closed
|
2026-02-19 11:16
|
2026-02-24 14:09
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-02/19/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7701834
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044308
|
Closed
|
2026-02-17 10:32
|
2026-02-23 09:40
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Required Documentation is Missing
|
Resolved-Verification of HOA dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-Required supporting documents to verify the XXX payment for the subject property. - Due Diligence Vendor-02/17/2026
|
Resolved-Verification of XXX dues was provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
$XXX ANNUAL RD MAINTENANCE FEE.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
7656866
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044310
|
Closed
|
2026-02-13 04:02
|
2026-02-27 05:55
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrowing Entity Tax ID
|
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026
Ready for Review-Borrowing Entity Tax ID was received. - Due Diligence Vendor-02/19/2026
Ready for Review-Document Uploaded. Borrowing Entity Tax ID - IRS DOCUMENTATION CONFIRM EIN # FOR ENTITY - Buyer-02/18/2026
Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/13/2026
|
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026
|
XXXXXXX XXXXXXX - Borrowing Entity Tax ID.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7601932
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044310
|
Closed
|
2026-02-15 06:05
|
2026-02-19 16:17
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Documentation 1
|
Resolved-Certificate of organization from the State indicates the borrower is authorized as manager. - Due Diligence Vendor-02/19/2026
Ready for Review-Document Uploaded. Managing Member - Secretary of the Commonwealth - Buyer-02/18/2026
Open-Managing Member/Unanimous Consent Agreement is missing. - Due Diligence Vendor-02/15/2026
|
Resolved-Certificate of organization from the State indicates the borrower is authorized as manager. - Due Diligence Vendor-02/19/2026
|
XXXXXXX XXXXXXX - Managing Member - Secretary of the Commonwealth.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
7624451
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044311
|
Closed
|
2026-02-15 08:32
|
2026-03-09 09:38
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrowing Entity Tax ID
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. EIN uploaded - Buyer-02/24/2026
Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/15/2026
|
Resolved-Documentation received, finding resolved - Due Diligence Vendor-02/25/2026
Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026
|
EIN.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXXXX
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409044311
|
Closed
|
2026-02-17 17:52
|
2026-02-25 05:34
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Resolved
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1 - Information
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Credit
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Eligibility
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Audited LTV Exceeds Guideline LTV
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Resolved-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026
Ready for Review-Document Uploaded. The current Expanded DSCR reference guide requires a X% LTV reduction for inexperienced investors, the
reference guide in effect when this loan closed on XX/XX/XXXX did not have that requirement. - Buyer-02/23/2026
Open-Audited LTV of XX% exceeds Guideline LTV of 75% Borrower is inexperienced investor, hence X% reduced in LTV as per guideline. - Due
Diligence Vendor-02/17/2026
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Resolved-Documentation received, finding resolved. - Due Diligence Vendor-02/25/2026
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XXXXXXX LTV comments and DSCR ref guide.pdf
|
XX
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Investment
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Purchase
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NA
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XXXXXXX
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N/A
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N/A
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|||||
|
XXXXX
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409044314
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Closed
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2026-02-18 09:05
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2026-04-10 14:55
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Acknowledged
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2 - Non-Material
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Compliance
|
Right to Rescind
|
TILA: Incorrect NORTC model provided - H9
|
Acknowledged-H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/18/2026 - Due Diligence
Vendor-04/10/2026
Acknowledged- - Due Diligence Vendor-03/17/2026
Open-TILA: Incorrect NORTC model provided - H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence
Vendor-02/18/2026
|
Acknowledged-H9 SFA Position- B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/18/2026 - Due Diligence
Vendor-04/10/2026
|
XX
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Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXXXX
|
Investor Post-Close
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No
|
||||||
|
XXXXX
|
409044314
|
Closed
|
2026-02-17 09:29
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2026-02-24 14:05
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-02/17/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXXXX
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045772
|
Closed
|
2026-02-15 13:32
|
2026-02-24 13:42
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
Ready for Review-Document Uploaded. IEADS attached. - Buyer-02/23/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-02/15/2026
|
Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/24/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-02/24/2026
|
XXXXXXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXXXX
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045772
|
Closed
|
2026-02-15 13:32
|
2026-02-24 13:42
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
E-Consent documentation is missing for borrower(s)
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026
Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Buyer-02/20/2026
Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/15/2026
|
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/24/2026
Resolved-E-Consent documentation for borrower(s) provided. Condition cleared. - Due Diligence Vendor-02/23/2026
|
ECONSENT.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXXXX
|
N/A
|
N/A
|
|||||
|
XXXXX
|
409045772
|
Closed
|
2026-02-15 15:10
|
2026-02-23 10:26
|
Resolved
|
1 - Information
|
Compliance
|
Disclosure
|
Appraisal Delivery Does Not Conform To E-Sign Act
|
Resolved-E-Consent dated XX/XX/XXXX was provided which is prior to appraisal delivery dates of XX/XX/XXXX and XX/XX/XXXX. Condition
cleared. - Due Diligence Vendor-02/23/2026
Ready for Review-Document Uploaded. - Seller-02/20/2026
Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to
appraisal delivery. - Due Diligence Vendor-02/15/2026
|
Ready for Review-Document Uploaded. - Seller-02/20/2026
|
Resolved-E-Consent dated XX/XX/XXXX was provided which is prior to appraisal delivery dates of XX/XX/XXX and XX/XX/XXXX. Condition
cleared. - Due Diligence Vendor-02/23/2026
|
ECONSENT.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXXXX
|
N/A
|
N/A
|