CHASE HOME LENDING MORTGAGE TRUST 2026-AGY1 ABS-15G
Exhibit 99.2
Schedule 2 - Pool 2 AMC Exception Grades
Exception Grades
Run Date - 6/9/2026 5:32:56 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 225674887 | 3158635614 | 36631399 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): fee cured at closing Buyer Comment (2026-06-02): Do Not Concur. The increase in [Redacted]% fees was cured at closing |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674887 | 3158635614 | 36631400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the interest rate changed, this disclosed timely on LE v8. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674889 | 3158635619 | 36672270 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received did not support the value used to qualify. | 3 | C | B | C | C | C | OH | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| 225674889 | 3158635619 | 36609340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | OH | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674889 | 3158635619 | 36609349 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674890 | 3158635623 | 36610028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. This fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on LE V4. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674891 | 3158635627 | 36610012 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The discount points increased after the loan amount changed, points disclosed timely on LE V2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674892 | 3158635628 | 36606692 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674893 | 3158635632 | 36648252 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Reviewer Comment (2026-06-03): e-delivery of disclosure received Buyer Comment (2026-06-03): Do Not Concur. Please see electronic record of delivery of the [Redacted] Doc package to the borrower before closing. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674893 | 3158635632 | 36648253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. The loan amount changed and then discount points changed subsequently, this was disclosed timely on LE v3. The discount points reduced from this amount prior to closing. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674893 | 3158635632 | 36648254 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. The appraisal fee was added when the loan amount changed and the appraisal waiver was opted out, the fee was disclosed timely on LE v3 |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674894 | 3158635635 | 36607651 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The 10 percent fees increased with a loan amount change CIC, there was a federal holiday and the increased fees disclosed timely on CD v2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674894 | 3158635635 | 36607655 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | This loan used an appraisal waiver. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674894 | 3158635635 | 36607657 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Need a secondary valuation product to support the appraisal waiver value utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674894 | 3158635635 | 36675517 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674895 | 3158635637 | 36607955 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Discount Points increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on CD V2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674897 | 3158635639 | 36628631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | 3 | D | D | B | B | D | D | C | C | D | D | CA | Primary | Refinance - Rate/Term | D | D | C | C | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225674897 | 3158635639 | 36628636 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Refinance - Rate/Term | D | D | C | C | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 225674898 | 3158635640 | 36653959 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The loan interest rate changed and the discount points changed as a result, this disclosed timely on CD v2, they then reduced prior to closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674899 | 3158635642 | 36606787 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The appraisal was received marked subject to repairs being completed so a final inspection was ordered, this disclosed timely on LE v2. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674900 | 3158635643 | 36629072 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-06-01): lender credit on final CD matches initial LE |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674901 | 3158635644 | 36649958 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674902 | 3158635645 | 36607150 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. Please see system calculation of baseline and [Redacted]% tolerance fees, the appraised value was received and fees changed on [Redacted], this was disclosed timely on CD v2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674902 | 3158635645 | 36607151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. This fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The discount points increased due to a loan amount change, this disclosed timely on CD v5. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674902 | 3158635645 | 36607152 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-06-07): updated RTC sent to borrower Buyer Comment (2026-06-07): See [Redacted] Reviewer Comment (2026-06-03): client requested this finding be reopened Buyer Comment (2026-06-01): Concur Reviewer Comment (2026-06-01): based on the transaction, the H-9 form should have been used Buyer Comment (2026-06-01): Do Not Concur. Since this is a refinance of a primary residence and is paying off the original lien the form H8 was used even though it also is paying off an amount owed to the IRS there is a no negative amount to the rescindable value |
06/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674903 | 3158635647 | 36646253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. The discount points increased when the loan interest rate changed, this was disclosed timely on LE v4. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674903 | 3158635647 | 36646254 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. The Final Inspection fee was added when the appraisal came back indicating that it was subject to repairs, this disclosed timely on LE v4. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674906 | 3158635655 | 36628921 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Points changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the loan amount changed, this disclosed timely on CD v4. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674907 | 3158635656 | 36634086 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing 1099 or other sufficient documentation for the "other" income of the Borrower. | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable Buyer Comment (2026-06-03): Page [Redacted] in the file build has the awards letter for the social sec income and the bank statement in the file build shows the proof of the deposit that satisfies the AUS approval no [Redacted] is needed |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674907 | 3158635656 | 36634102 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674907 | 3158635656 | 36634103 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674907 | 3158635656 | 36634138 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased on [Redacted] without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the loan amount changed, this disclosed timely on LE v2, they increased again when the rate expiration and pricing changed and were disclosed timely on CD v3. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674907 | 3158635656 | 36634140 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | File does not contain a signed final Closing Disclosure to evidence receipt, resulting in a presumed receipt date of [Redacted] and the loan disbursed less than 3 business days after the [Redacted] transaction date. | Reviewer Comment (2026-06-02): proof of final CD signed by borrower has been received Buyer Comment (2026-06-02): Do Not Concur. Please see signed closing disclosure and also the electronic delivery record for the closing disclosure. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674907 | 3158635656 | 36634141 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | File does not contain a signed final Closing Disclosure to evidence receipt, resulting in a presumed receipt date of [Redacted] and the loan disbursed less than 3 business days after the [Redacted] transaction date. | Reviewer Comment (2026-06-02): proof of final CD signed by borrower has been received Buyer Comment (2026-06-02): Do Not Concur. Please see signed closing disclosure and also the electronic delivery record for the closing disclosure. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674907 | 3158635656 | 36641300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing 1099 or other sufficient documentation for the "other" income of the Borrower. | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674907 | 3158635656 | 36641312 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing 1099 or other sufficient documentation for the "other" income of the Borrower. | Reviewer Comment (2026-06-03): sufficient income documentation in file is acceptable Buyer Comment (2026-06-03): Waterfall |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674908 | 3158635658 | 36610866 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674911 | 3158635662 | 36638507 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Reviewer Comment (2026-06-03): disclosure delivery received Buyer Comment (2026-06-03): Do Not Concur. Please see system record of electronic delivery of the [Redacted] Doc package to the borrower before closing |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674911 | 3158635662 | 36638508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | No documentation in file to evidence borrowers' receipt of the [Redacted] CD and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-03): disclosure delivery received Buyer Comment (2026-06-03): Do Not Concur. Please see system record of electronic delivery of the Closing Disclosures to the borrower before closing |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225674911 | 3158635662 | 36638509 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. The discount points increased when the appraised value was received and was disclosed timely on LE v3, it then decreased again prior to closing. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674912 | 3158635663 | 36611234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount fee changed to $[Redacted] on the LE dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The discount points increased when pricing changed after the appraisal was completed and the property value was analyzed, points disclosed timely on LE V2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674914 | 3158635668 | 36630708 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Missing valid COC for increase in ten percent fee tolerance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674915 | 3158635669 | 36638768 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted]is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-07): Fee cured at closing. Buyer Comment (2026-06-04): Do not Concur. Upon further review, [Redacted] cured $[Redacted] for the Misc Closing Fee, this should not be included in the finance charge calculation, please see system snips and calculate based on this information. Reviewer Comment (2026-06-04): Unable to determine lender calculation without a compliance report and finance charge calculation. the Title-Tax Cert alone would not account for the $[Redacted] underdisclosure amount. Please provide lender's calculations. In regard to the Title-Tax Cert fee, while we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a one time fee, please provide an executed lender attestation confirming not life of loan fee but a one time upfront at closing fee for determination. Buyer Comment (2026-06-03): [Redacted] is citing that the finance charge is under disclosed by $[Redacted], however in reviewing the fees used in [Redacted] calculation it appears that [Redacted] calculated them all as pre-paid fees in the finance charge calculation except for the Tax Certification Fee of $[Redacted], can you advise what fees may be causing the under disclosure in [Redacted] calculation? |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225674915 | 3158635669 | 36638769 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both issues. | Reviewer Comment (2026-06-03): after further review, the cure at closing was sufficient to resolve this fee tolerance issue Buyer Comment (2026-06-03): Please verify how the baseline for [Redacted]% fees was calculated as $[Redacted], section C title fees are $[Redacted] and recording fees are $[Redacted] on the initial LE. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225674915 | 3158635669 | 36638770 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both issues. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do Not Concur. Please see CICs for loan amount changes, the discount points increased and were disclosed timely on CD v2 and CD v3 |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225674916 | 3158635671 | 36656755 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs, and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Reviewer Comment (2026-06-04): evidence of disclosure delivery received Buyer Comment (2026-06-04): Do Not Concur. Please see the electronic record of delivery for the closing disclosure timing and also [Redacted] doc signed by customer prior to closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674916 | 3158635671 | 36656756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial Closing Disclosure by the borrowers and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-04): evidence of disclosure delivery received Buyer Comment (2026-06-04): Do Not Concur. Please see the electronic record of delivery for the closing disclosure timing and also [Redacted] doc signed by customer prior to closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225674919 | 3158635684 | 36638894 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674919 | 3158635684 | 36638895 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674920 | 3158635685 | 36606861 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-01): desk review with value supporting the appraisal value has been received |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | GA | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674920 | 3158635685 | 36606880 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): Ten percent fees were within tolerance Buyer Comment (2026-06-01): Do Not Concur. The exception provided by [Redacted] is not understood, however [Redacted]% fees changed when the loan amount changed and was disclosed timely on LE v3. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674921 | 3158635686 | 36627798 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MN | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674921 | 3158635686 | 36627806 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674921 | 3158635686 | 36672269 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | MN | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674923 | 3158635689 | 36615339 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. The loan amount changed and the lender credit changed as a result, this was disclosed timely on LE v2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674923 | 3158635689 | 36615340 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. It was determined that the loan could use a prior appraisal instead of ordering a new one, the appraisal update / recertification fee was added to the loan and disclosed timely on LE v3, the fee for the full appraisal dropped off and was not charged at closing. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674924 | 3158635692 | 36637681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The Lender Credits when the loan amount changed, this disclosed timely on CD v4. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674925 | 3158635693 | 36609056 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): fee tolerance cured by lender within [Redacted] days of closing and prior to TPR review Buyer Comment (2026-06-01): Do Not Concur. The [Redacted] percent fees increased but were cured for $[Redacted], please see system snips. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674925 | 3158635693 | 36609057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. The fee increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. There was a loan amount change, the discount points changed after this and were disclosed timely on CD v2. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674926 | 3158635695 | 36647127 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674926 | 3158635695 | 36647138 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674926 | 3158635695 | 36675551 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674927 | 3158635696 | 36607513 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Nothing in file to evidence receipt of the corrected Closing Disclosure issued on [Redacted] which contains a change in APR. Without evidence of receipt, the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-01): verification of interim CD received by borrower has been received Buyer Comment (2026-06-01): Do not Concur. CDv2 was sent via [Redacted] [Redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225674928 | 3158635698 | 36646943 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674928 | 3158635698 | 36646959 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | AR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674928 | 3158635698 | 36672268 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | AR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674929 | 3158635699 | 36629424 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674930 | 3158635700 | 36637490 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674930 | 3158635700 | 36637495 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | SC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674930 | 3158635700 | 36664148 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | SC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674932 | 3158635702 | 36654444 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674932 | 3158635702 | 36654445 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674932 | 3158635702 | 36683015 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674934 | 3158635706 | 36637828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial CD by the borrower and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-02): evidence of disclosure delivery received Buyer Comment (2026-06-02): Do not concur. Initial CD sent via [Redacted] [Redacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225674935 | 3158635707 | 36608222 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674935 | 3158635707 | 36608234 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | OH | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674935 | 3158635707 | 36672267 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674941 | 3158635720 | 36633330 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. | Reviewer Comment (2026-06-02): undiscounted rate and rate price received |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674941 | 3158635720 | 36633331 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-02): undiscounted rate and rate price received Buyer Comment (2026-06-02): Please see undiscounted rate and summary information |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674941 | 3158635720 | 36636656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the interest rate changed, this disclosed timely on LE v3, and decreased prior to closing |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674942 | 3158635724 | 36630184 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674942 | 3158635724 | 36630192 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted]- Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WI | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674942 | 3158635724 | 36672266 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | WI | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674943 | 3158635728 | 36647742 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not Concur. Valid CIC for loan amount [Redacted] . Lev5 disclosed timely |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674944 | 3158635729 | 36694153 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | 3 | C | B | C | C | C | IL | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| 225674944 | 3158635729 | 36647300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674944 | 3158635729 | 36647315 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674945 | 3158635731 | 36656608 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the appraised value came in and pricing changed, this was disclosed timely on LE v2 |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674946 | 3158635734 | 36648095 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TN | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674946 | 3158635734 | 36672265 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | TN | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674947 | 3158635737 | 36651112 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674947 | 3158635737 | 36651135 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674947 | 3158635737 | 36651145 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Taxes were disclosed as $[Redacted] on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for the fee increase, and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The transfer taxes changed when the loan amount changed, this was disclosed timely on LE v2 |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674947 | 3158635737 | 36656359 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for the disclosure of the new fee, and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-03): Cured at closing or within [Redacted] days of consummation prior to TPR review |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674947 | 3158635737 | 36672278 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674948 | 3158635738 | 36654001 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674948 | 3158635738 | 36654002 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674948 | 3158635738 | 36672277 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674950 | 3158635741 | 36634034 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to unsourced deposit of $[Redacted] to [Redacted] #[Redacted]on [Redacted]. | Reviewer Comment (2026-06-03): sufficient asset documentation in file Buyer Comment (2026-06-03): waterfall |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674950 | 3158635741 | 36634056 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Insufficient funds to close verified due to unsourced deposit of $[Redacted]to [Redacted] #[Redacted]on [Redacted] | Reviewer Comment (2026-06-03): sufficient asset documentation in file Buyer Comment (2026-06-03): Large deposit came from the home equity loan customer took out from [Redacted] on page [Redacted] and [Redacted]are the documents for the [Redacted] . Line is for [Redacted] customer used transfer of details for $[Redacted] and $[Redacted] transferred to [Redacted] [Redacted] supporting the large deposits came from the [Redacted] [Redacted] |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674950 | 3158635741 | 36634065 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of funds to close, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-03): sufficient asset documentation in file |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674950 | 3158635741 | 36634066 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of funds to close. | Reviewer Comment (2026-06-03): sufficient asset documentation in file |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674950 | 3158635741 | 36634067 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to shortage of funds to close. | Reviewer Comment (2026-06-03): sufficient asset documentation in file |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674951 | 3158635742 | 36630680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the interest rate changed, this disclosed timely on LE v4 |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674952 | 3158635743 | 36612192 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CIC for required final inspection [Redacted]. See attached LOE. LEv7 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674952 | 3158635743 | 36612193 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CIC and LOE stating survey is required per contract and seller [Redacted]. CDv1 disclosed timely same day |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674954 | 3158635746 | 36608365 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674956 | 3158635748 | 36648444 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674957 | 3158635749 | 36637895 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-05): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674957 | 3158635749 | 36637918 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. | Reviewer Comment (2026-06-05): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/05/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674957 | 3158635749 | 36666589 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674958 | 3158635751 | 36656659 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the loan amount changed, this was disclosed timely on LE v6. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674959 | 3158635752 | 36633674 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when a new counter offer had to be issued due to credit items, pricing had to change and this was disclosed timely on CD v6 |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674959 | 3158635752 | 36633675 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to repairs, this was disclosed timely on CD v3. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674961 | 3158635756 | 36647583 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225674961 | 3158635756 | 36647570 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674961 | 3158635756 | 36647571 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing a third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674961 | 3158635756 | 36647572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found for the fee increase and no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The transfer taxes changed when the loan amount changed, this was disclosed timely on LE v4 |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674961 | 3158635756 | 36658758 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674961 | 3158635756 | 36658759 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable Buyer Comment (2026-06-05): Per VVOE Google( CPA) was used to verify located in file pg 1764 D0801 |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674961 | 3158635756 | 36658806 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable Buyer Comment (2026-06-05): Per VVOE Google(CPA) was used to verify business located in file pg 1764 D0801 |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674961 | 3158635756 | 36658810 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-06-05): third party verification in file is acceptable |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674962 | 3158635758 | 36607153 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674962 | 3158635758 | 36607170 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674962 | 3158635758 | 36607232 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674962 | 3158635758 | 36675575 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674963 | 3158635760 | 36628491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Appraisal Re-Inspection Fee. The fee amount of $[Redacted] exceeds the tolerance of $0.00. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The final inspection fee was added when the appraisal came back indicating that it was subject to completion per plans and specs, this was disclosed timely on CD v5 |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674963 | 3158635760 | 36628492 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $0.00. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The purchase contract was received and reviewed, the transfer taxes were then added and disclosed timely on LE v4. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674965 | 3158635762 | 36632105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $0.00 on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The purchase contract was received and reviewed, the transfer taxes were then added and disclosed timely on LE v2. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674966 | 3158635763 | 36610910 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674966 | 3158635763 | 36625866 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence delivery of the appraisal to the borrower prior to closing. | Reviewer Comment (2026-06-01): verification of appraisal delivery received and acceptable Buyer Comment (2026-06-01): Do Not Concur. Please see record of electronic delivery of the appraisal to the borrower |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674966 | 3158635763 | 36626003 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. Please see the system snip showing that the [Redacted] % fee recording fee was partially credited to the customer through premium pricing or credit given to the customer. |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674966 | 3158635763 | 36626004 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do Not Concur. Please see the CICs for vesting change and adding a non borrowing signer which added the transfer tax amount of $[Redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674967 | 3158635764 | 36675468 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received does not support the value utilized for approval from the PIW. | 3 | C | B | C | C | C | DE | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| 225674967 | 3158635764 | 36646170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674967 | 3158635764 | 36646173 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | DE | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674969 | 3158635771 | 36650478 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted]on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not Concur. Initial Loan lock [Redacted]. LE disclosed timely. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674970 | 3158635772 | 36638368 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Reviewer Comment (2026-06-02): evidence of e-delivery of disclosure received Buyer Comment (2026-06-02): Do Not Concur. Please see the record of electronic delivery of the [Redacted] Doc Package to the borrower within enough time before closing occurred |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674970 | 3158635772 | 36638369 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The Discount points increased when the loan amount changed, this disclosed timely on CD v3, they decreased from this prior to closing. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674971 | 3158635773 | 36657368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. | Reviewer Comment (2026-06-04): undiscounted interest rate and rate price received and acceptable |
06/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674971 | 3158635773 | 36657370 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-04): undiscounted interest rate and rate price received and acceptable Buyer Comment (2026-06-04): Please see undiscounted rate system snips and reg testing documents |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674971 | 3158635773 | 36657371 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The pricing changed causing the loan points to change, this was disclosed timely on CD v2 and the points reduced again prior to closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674973 | 3158635775 | 36657181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674973 | 3158635775 | 36657182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-08): [Redacted] received valid COC document Buyer Comment (2026-06-04): Do Not Concur. The interest rate changed and consequently the discount points increased, this was disclosed timely on LE v4. The points decreased from this prior to closing |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674973 | 3158635775 | 36673232 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 225674975 | 3158635777 | 36638915 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for property type, appraised value, loan points [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674975 | 3158635777 | 36638917 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment (2026-06-02): confirmed, fee was disclosed on initial LE Buyer Comment (2026-06-02): Do not Concur. The Attorney Doc review fee $[Redacted] was disclosed to the customer upfront on the initial LE. No cure due back |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674977 | 3158635779 | 36647487 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): ten percent fee tolerance acceptable Buyer Comment (2026-06-03): Do not Concur. Ten percents on this refi consist of the title fees in section B and the recording fees in E. [Redacted] has incorrect ten percent baseline |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674979 | 3158635784 | 36647574 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TN | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674979 | 3158635784 | 36672264 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | TN | Primary | Purchase | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674980 | 3158635785 | 36642818 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. | Reviewer Comment (2026-06-03): undiscounted interest rate and rate price received Buyer Comment (2026-06-03): Please see attached Undiscounted rate and reg test |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674980 | 3158635785 | 36642819 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-03): undiscounted interest rate and rate price received Buyer Comment (2026-06-03): Please see attached Undiscounted rate and reg test |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674980 | 3158635785 | 36642822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted], which is $[Redacted]over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower and the remaining cured at closing Buyer Comment (2026-06-03): Do not Concur. Valid CICs for all increases of the transfer tax until the final CD and then that increase was already cured at closing |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674982 | 3158635787 | 36636644 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test X |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674982 | 3158635787 | 36636645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test X |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674982 | 3158635787 | 36636646 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption missing from file. | Reviewer Comment (2026-06-03): disclosure received Buyer Comment (2026-06-03): Please see attached |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674982 | 3158635787 | 36636647 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674983 | 3158635788 | 36647991 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-05): BPO received |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674983 | 3158635788 | 36648005 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-05): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/05/2026 | 1 | D | A | B | A | D | A | C | A | D | A | OH | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674983 | 3158635788 | 36666611 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | OH | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674984 | 3158635789 | 36633425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv2 disclosed timely same day |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674984 | 3158635789 | 36633434 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 2.6, which does not meet securitization requirements. | Reviewer Comment (2026-06-08): desk review with supporting value has been received Buyer Comment (2026-06-08): Please see attached CDA supporting higher value than appraisal. |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | OH | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674986 | 3158635792 | 36648109 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674986 | 3158635792 | 36648111 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674986 | 3158635792 | 36648397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do Not Concur. The discount points increased when the borrower's credit score changed and credit was analyzed again, discount points increased to $[Redacted] and reduced prior to closing, this was disclosed timely on CD v2 |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674986 | 3158635792 | 36648398 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Water Testing Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-04): sufficient cure in file for this fee overage Buyer Comment (2026-06-04): Do Not Concur. The water test was added to the CD and was part of the [Redacted]% title fees, this was calculated and the cure as a result of the water test fee being added was also added to the CD in the amount of $[Redacted], please see system snips showing the cure |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674986 | 3158635792 | 36675796 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674987 | 3158635793 | 36633544 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. Cdv1 disclosed timely |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674987 | 3158635793 | 36645516 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan is a same lender refinance. | Reviewer Comment (2026-06-04): RTC package received Buyer Comment (2026-06-04): Please see the PCCD package with shipping label, return label and RTR |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674988 | 3158635794 | 36657064 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674988 | 3158635794 | 36657070 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | 1003 for both borrowers indicated a status of Permanent Resident Alien; however a copy of their permanent resident cards was missing from the file. | Reviewer Comment (2026-06-08): copies of perm res alien cards received Buyer Comment (2026-06-08): see attached |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674988 | 3158635794 | 36657080 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674988 | 3158635794 | 36675637 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674989 | 3158635795 | 36630163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see undiscounted rate and summary information |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674989 | 3158635795 | 36630167 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing Points and Fees test. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674991 | 3158635799 | 36630109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-07): Cured at closing Reviewer Comment (2026-06-05): Cured at closing Buyer Comment (2026-06-04): Do Not Concur. Please see that $[Redacted] of the discount points was cured at closing which accounts for the variance that [Redacted] is finding, system snip of the cure breakdown provided. Reviewer Comment (2026-06-03): Flood (LOL) and Tax Service fee are calculated as finance charges. Buyer Comment (2026-06-02): Please advise on fees used in [Redacted] finance charge calculation, [Redacted] has the fees [Redacted] listed as pre-paids except for the Flood Certification Life of Loan for $[Redacted], unable to determine where the $[Redacted] variance would be calculated. |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674991 | 3158635799 | 36630110 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in Title - Lender's Title Insurance. No valid COC provided, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674991 | 3158635799 | 36630125 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674991 | 3158635799 | 36630134 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674991 | 3158635799 | 36664128 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674992 | 3158635800 | 36628899 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received showing no damage to property Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674992 | 3158635800 | 36628900 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO recieved Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TX | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674992 | 3158635800 | 36628924 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the interest rate changed, this disclosed timely on CD LE v3 and decreased before closing. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674992 | 3158635800 | 36632410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see undiscounted rate and summary information |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674992 | 3158635800 | 36632411 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674992 | 3158635800 | 36663265 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan to be securitized and was originated with an Appraisal Waiver. Supporting BPO was received. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | TX | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674994 | 3158635802 | 36607850 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-09): BPO received Buyer Comment (2026-06-09): RD - Please see BPO attached to Secondary Valuation record |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674994 | 3158635802 | 36607856 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-09): BPO received Buyer Comment (2026-06-09): RD - Please see attached BPO |
06/09/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674994 | 3158635802 | 36607944 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% (or $[Redacted]). Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674994 | 3158635802 | 36685013 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-09): Waived |
06/09/2026 | 2 | B | B | B | B | B | NJ | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225674997 | 3158635807 | 36633419 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225674998 | 3158635810 | 36642714 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not concur. Appraisal is being re-used from prior loan. Valid CIC [Redacted]. LEv6 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675000 | 3158635815 | 36638389 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CIC for property type [Redacted]. LEv3 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675002 | 3158635822 | 36653556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for interest rate and loan points [Redacted] increased points to $[Redacted]. LE was sent timely. The next increase was already cured at closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675002 | 3158635822 | 36653557 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): sufficient cure provided at closing to resolve this fee tolerance Buyer Comment (2026-06-04): Do not Concur. Appraisal fee already cured at closing |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675003 | 3158635824 | 36640298 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675003 | 3158635824 | 36640299 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675004 | 3158635826 | 36608325 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675005 | 3158635828 | 36630086 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675005 | 3158635828 | 36630092 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | AZ | Primary | Refinance - Cash-out - Other | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675005 | 3158635828 | 36632339 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no cure was provided to the borrower. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for credit score and loan points [Redacted]. LE disclosed timely same day |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675005 | 3158635828 | 36664036 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675006 | 3158635830 | 36642122 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value, loan points, and loan amount on [Redacted] and [Redacted]. LE disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675006 | 3158635830 | 36642123 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-06-02): fee tolerance issue was cured at closing |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675007 | 3158635831 | 36640612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Cd disclosed timely same day |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675007 | 3158635831 | 36640613 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid COC for the fee increase was not provided or a sufficient cure. | Reviewer Comment (2026-06-03): Cured at closing or within 60 days of consummation prior to TPR review |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675008 | 3158635832 | 36694201 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | 3 | C | B | C | C | C | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| 225675008 | 3158635832 | 36648762 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675008 | 3158635832 | 36648763 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675008 | 3158635832 | 36648783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. CD disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675009 | 3158635833 | 36630672 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. Premium pricing turned into positive points and the LE disclosed timely. No CIC required for when the points later decreased and turned back into premium pricing. This is in favor to the customer |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675010 | 3158635834 | 36645456 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675012 | 3158635840 | 36606764 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition due to excessive points and fees. | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and determined to be acceptable |
06/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675012 | 3158635840 | 36606765 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and determined to be acceptable Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675012 | 3158635840 | 36611207 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675013 | 3158635841 | 36612324 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CICs for product change, loan amount, original mortgage amount [Redacted]. LEv2 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675013 | 3158635841 | 36612325 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv4 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675014 | 3158635844 | 36626131 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675016 | 3158635847 | 36610817 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CICs for loan amount, loan points, interest rate [Redacted]. Points disclosed timely on CDv6 at $[Redacted]. Points decreased at closing and no CIC needed for a decrease |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675017 | 3158635848 | 36607536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-08): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-06-07): See attached PCCD Reviewer Comment (2026-06-02): [Redacted] received rebuttal that $[Redacted] cured on signing fee cured at closing and $[Redacted] processing fee part of lender credits. The $[Redacted] lender credit portion was included in calculations and only $[Redacted] of the Processing fee was included in [Redacted] calculation. Regarding the $[Redacted] cure, this cure was for the 10% fee tolerance violation and included other fees that increased over 10% tolerance. The entire portion of title-signing & doc Coordination fee was not cured alone and cannot be split out from other portion of the 10% violation. $[Redacted] was underdisclosed at closing on the finance charge calculation. [Redacted] included the following fees in calculation: Flood $[Redacted], prepaid Int $[Redacted], Processing fee $[Redacted], Tax Service $[Redacted], Title-Signing & Doc Coordination $[Redacted], $title-settlement/Closing $[Redacted] and Financial Verification fee $[Redacted]. Cure with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted], proof of mailing and proof of reopening of rescission to all consumers. Buyer Comment (2026-06-01): Do not Concur. [Redacted] calculations are incorrect. $[Redacted] of the signing fee was already cured at closing due to the tolerance fee violation. Also, the processing fee of $[Redacted] should have been included. $[Redacted] was part of lender credits. Please recalculate. No cure due back |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675017 | 3158635848 | 36607537 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638336 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. | Reviewer Comment (2026-06-05): income documentation received |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638337 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | File is missing either a WVOE or a paystub for Borrower 2 ([Redacted]) current employment as required by the AUS. | Reviewer Comment (2026-06-05): income documentation received |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675018 | 3158635849 | 36638338 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial Escrow Account Disclosure reflected an Initial Deposit of $[Redacted]; however, section G of the final CD and the Post Close CD reflected an Initial Deposit of $[Redacted]. | Reviewer Comment (2026-06-04): [Redacted] received Buyer Comment (2026-06-04): Please see attached [Redacted] |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638339 | Compliance | Compliance | State Compliance | State Late Charge | [Redacted] Late Charge Percent Testing | [Redacted]Late Charge: Note late charge percent of [Redacted]% exceeds the state maximum of [Redacted]%. | Reviewer Comment (2026-06-04): late fee is within limits Buyer Comment (2026-06-04): Do not Concur. The note and CD both reflect [Redacted]% late charge. Invalid exception |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675018 | 3158635849 | 36638345 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] for Recording Fees exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-03): Cured at closing or within 60 days of consummation prior to TPR review |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638346 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CIC for appraisal recert [Redacted]. LEv15 disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638351 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Taxes were originally cited as $[Redacted] on the initial LE [Redacted], but were increased to $[Redacted] on the second LE issued [Redacted] and ultimately $[Redacted] was charged at closing. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CIC for receipt and upload of purchase contract [Redacted]. LEv2 disclosed timely. Transfer taxes $[Redacted]. Transfer taxes decreased at closing. No cure due back |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675018 | 3158635849 | 36638357 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | The file is missing a copy of Mortgage Insurance Certificate (MIC) Document. | Reviewer Comment (2026-06-05): MI Cert received Buyer Comment (2026-06-05): This is on page [Redacted]-[Redacted] in the file build |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675018 | 3158635849 | 36638364 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of WVOE - Includes Income. | Reviewer Comment (2026-06-05): income documentation received Buyer Comment (2026-06-05): in file build pg [Redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675018 | 3158635849 | 36638398 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | DTI of [Redacted]exceeds AUS approved DTI of [Redacted]%. 1008 also reflects DTI over the AUS approval at [Redacted]. | Reviewer Comment (2026-06-05): DIT acceptable Buyer Comment (2026-06-05): DTI is [Redacted] Aus rounds up to [Redacted]. Co applicant has a [Redacted] auto fin payment of [Redacted] balance of [Redacted] which is less than [Redacted] payments so will not be in the DTI. 1008 is not used anymore but would be counting that car payment in the DTI. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675018 | 3158635849 | 36638427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. | Reviewer Comment (2026-06-05): income documentation received Buyer Comment (2026-06-05): In the file build |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675018 | 3158635849 | 36653800 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing income docs for one borrower and the missing MI Certificate. | Reviewer Comment (2026-06-05): income documentation received Buyer Comment (2026-06-05): In the file build |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675018 | 3158635849 | 36656410 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing paystubs or a WVOE for borrower 2 ([Redacted]) | Reviewer Comment (2026-06-05): income documentation received Buyer Comment (2026-06-05): In the file build [Redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675019 | 3158635850 | 36629865 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225675019 | 3158635850 | 36629936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest dated CD in file was dated [Redacted] which was not delivered to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-06-02): verification of disclosure delivery received Buyer Comment (2026-06-02): Do not Concur. Final LE sent via DocMagic [Redacted]. Initial CD sent via DocMagic [Redacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225675019 | 3158635850 | 36629938 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | No evidence of borrower receipt of the revised LE dated [Redacted] in file and the presumed receipt date would not have been at least 4 business days prior to closing. | Reviewer Comment (2026-06-02): verification of disclosure delivery received Buyer Comment (2026-06-02): Do not Concur. Final LE sent via DocMagic [Redacted]. Initial CD sent via DocMagic [Redacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225675019 | 3158635850 | 36629940 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Loan amount, interest rate, loan points, and appraised value [Redacted] and [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675020 | 3158635851 | 36638758 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): [Redacted]received valid COC dated [Redacted] Buyer Comment (2026-06-02): Do Not Concur. The discount points increased when the appraised value was received, this disclosed timely on CD LE v2. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675023 | 3158635856 | 36630722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-08): corrected PCCD, LOX, refund check, and proof of delivery received Buyer Comment (2026-06-08): Please see PCCD and refund sent to the borrower Reviewer Comment (2026-06-04): Fees calculated as finance charges: Interest - $[Redacted], Processing Fee - $[Redacted], Title - Archive - $[Redacted], Title - Closing Letter - $[Redacted], Courier - $[Redacted], Title - Processing Fee - $[Redacted], Title - Recording Service - $[Redacted], Title - Settlement Fee - $[Redacted], Title - Underwriting Fee - $[Redacted], ID Verification - $[Redacted]. Per 1026.4(c)(7) only the following are excluded from finance charge calculations: 1026.4(c)(7) excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-06-03): After further review [Redacted] is including the Title-Processing fee $[Redacted] and the Title0Underwriting Fee $[Redacted] as prepaids. Please see LOX from title. These fees should not be included as prepaid fees. Reviewer Comment (2026-06-03): [Redacted] received rebuttal on do not agree with calculations. The Processing fee in Section A was $[Redacted] colleted from borrower. Only borrower paid finance charge fees are included in a Finance charge calculation. Lender paid (or other party) is not included, and if it were, the underdisclosure would have been greater at $[Redacted] underdisclosed instead of the lesser $[Redacted]. Missing lender compliance report in order to determine how lender calculated finance charge. Please provide lender calculations and fees included in the calculation. Otherwise cure is due with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing. Buyer Comment (2026-06-02): Do not Concur. [Redacted] dispute comment and [Redacted] calculations amounts do not match. $[Redacted] vs. $[Redacted]. Also [Redacted] is not including the entire processing fee amount of $[Redacted]. A portion is lender credit and should be included too. Please recalculate |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675023 | 3158635856 | 36630740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MD | Primary | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675023 | 3158635856 | 36630746 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675023 | 3158635856 | 36672262 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | MD | Primary | Purchase | D | B | C | A | C | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675025 | 3158635858 | 36654727 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675025 | 3158635858 | 36654740 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | FL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675025 | 3158635858 | 36672275 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675028 | 3158635864 | 36638689 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed on final TIL is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Per itemization of amount financed, discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Project Processing Fee ($[Redacted]). | Reviewer Comment (2026-06-03): Sufficient cure at closing for Project Processing Fee $[Redacted] which also included in finance charge undeerdisclosure violation. Buyer Comment (2026-06-02): Do not Concur. The project processing fee tolerance fee violation was already cured at closing and should not be included in the prepaid calculations |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675028 | 3158635864 | 36642834 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675031 | 3158635870 | 36607312 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. This credit changed after the initial rate lock date. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-02): [Redacted] received copy of system snip with additional information for a valid Changed circumstance. Buyer Comment (2026-06-01): Do not Concur. Valid CICs for appraised value, loan points, and loan amount changes [Redacted] . LEv3 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675034 | 3158635878 | 36647980 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675034 | 3158635878 | 36647993 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675034 | 3158635878 | 36675614 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | NC | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675036 | 3158635881 | 36637672 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-06-05): disclosure located in file Buyer Comment (2026-06-05): Located in Application Disclosure in file build pg [Redacted] |
06/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675037 | 3158635882 | 36654366 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. Loan originated with an Appraisal Waiver. | Reviewer Comment (2026-06-07): BPO recieved Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675037 | 3158635882 | 36672274 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): waived |
06/07/2026 | 2 | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675038 | 3158635883 | 36641406 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Per title commitment, new lender is prior originating lender of [Redacted]st lien paid off through closing. | Reviewer Comment (2026-06-07): updated RTC sent to borrower Buyer Comment (2026-06-07): See [Redacted] |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675039 | 3158635884 | 36645870 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675043 | 3158635889 | 36650989 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675043 | 3158635889 | 36650993 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675043 | 3158635889 | 36675748 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675045 | 3158635893 | 36637600 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was last disclosed as $[Redacted]on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not Concur. Initial Loan lock [Redacted] occurred. Premium pricing can float until this happens and LEv4 disclosed timely |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675046 | 3158635894 | 36641377 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted]on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv6 disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675048 | 3158635902 | 36609844 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675048 | 3158635902 | 36609850 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675048 | 3158635902 | 36612355 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): Agree, initial LE did disclose credit report fee correctly Buyer Comment (2026-06-01): Do not Concur. The credit report $[Redacted] was disclosed upfront on the initial LE. No cure due back |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675048 | 3158635902 | 36612426 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing VVOE completed within 10 business days of Note. VVOE - Employment Only provided is dated [Redacted] prior to [Redacted] Note date. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675048 | 3158635902 | 36612427 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | Missing VVOE completed within 10 business days of Note. VVOE - Employment Only provided is dated [Redacted] prior to [Redacted] Note date. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675048 | 3158635902 | 36612453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE completed within 10 business days of Note. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675048 | 3158635902 | 36612455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE completed within 10 business days of Note, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675048 | 3158635902 | 36612456 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE completed within 10 business days of Note, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675048 | 3158635902 | 36675707 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | IL | Primary | Purchase | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675049 | 3158635903 | 36612145 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-04): Cure at closing for discount points and underdisclosure prior to reporting. Buyer Comment (2026-06-03): Do not Concur. This is not a general credit. The loan points were cured for a tolerance fee violation already at closing. This does not require a double cure. Reviewer Comment (2026-06-02): [Redacted] indicates the review process is to apply general lender credits to non-finance charge fees first then finance charges. The general lender credit. Buyer Comment (2026-06-01): Do not Concur. [Redacted] is including the loan points as a prepaid and should not be. This fee was already cured at closing for the tolerance fee violation at closing. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675051 | 3158635905 | 36656675 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The loan amount changed after issuance of title commitment. The final title policy is not provided for review. | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225675051 | 3158635905 | 36656698 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for appraised value, Loan points, loan amount [Redacted]. Points increased to $[Redacted]. LEv3 disclosed timely. Points actually decreased at closing. No cure due back |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675052 | 3158635909 | 36608971 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for points and fees overage. | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and acceptable |
06/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675052 | 3158635909 | 36608972 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-01): undiscounted rate and rate price received and acceptable Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675052 | 3158635909 | 36608973 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]%, or $[Redacted]. This is $[Redacted] over the legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-01): fee tolerance issue was cured at closing on final CD Buyer Comment (2026-06-01): Do not Concur. The ten percent tolerance violation was already cured at closing |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675052 | 3158635909 | 36608974 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Zero Percent Fee Tolerance for Transfer Tax was exceeded. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. No COC was found in the file. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CIC for vesting change [Redacted]. CDv2 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675053 | 3158635910 | 36611510 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP score in file. | Reviewer Comment (2026-06-01): desk review received, with a value supporting the appraisal value |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675053 | 3158635910 | 36611523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Initial Loan lock did not occur until [Redacted]. Premium pricing and Loan points can float until this happens. Premium pricing turned into positive points when the loan locked. No cure due back |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675053 | 3158635910 | 36611524 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided | Reviewer Comment (2026-05-30): Cured at closing or within 60 days of consummation prior to TPR review |
05/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675053 | 3158635910 | 36611525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv4 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675053 | 3158635910 | 36646905 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 225675054 | 3158635911 | 36607751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Flood Certification (Initial Fee) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): PCCD, LOX, refund check and proof of mailing received Buyer Comment (2026-06-08): Please see PCCD and Refund sent to the customer |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675054 | 3158635911 | 36607753 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Flood Certification (Life Of Loan) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): PCCD, LOX, refund check and proof of mailing received Buyer Comment (2026-06-08): Please see PCCD and Refund sent to the customer |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675054 | 3158635911 | 36607786 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675057 | 3158635914 | 36612960 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing VVOE completed within [Redacted] business days of Note. VVOE - Employment Only provided is completed [Redacted] prior to [Redacted] Note date. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675057 | 3158635914 | 36612961 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing VVOE completed within [Redacted] business days of Note. VVOE - Employment Only provided is completed [Redacted] prior to [Redacted] Note date. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675057 | 3158635914 | 36612973 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675057 | 3158635914 | 36612974 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675057 | 3158635914 | 36612975 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE completed within [Redacted] business days of Note | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675058 | 3158635916 | 36606941 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with an appraisal waiver an no physical inspection was obtained. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675058 | 3158635916 | 36606949 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Missing a secondary valuation product for securitization purposes. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675058 | 3158635916 | 36609805 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Reviewer Comment (2026-06-01): correct form was utilized Buyer Comment (2026-06-01): Do not Concur. The original creditor field in MX was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the MX system to why the H-8 form was selected. |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | B | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675058 | 3158635916 | 36683014 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675060 | 3158635919 | 36638301 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675060 | 3158635919 | 36638305 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675060 | 3158635919 | 36672261 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675062 | 3158635926 | 36649390 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-03): sufficient cure provided at closing for this fee tolerance |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675062 | 3158635926 | 36649391 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. [Redacted] received appraisal/invoice [Redacted]. Final inspection was required. LEv4 disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675063 | 3158635930 | 36612277 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675063 | 3158635930 | 36612278 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | ID | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675063 | 3158635930 | 36675885 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | ID | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675064 | 3158635931 | 36634061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the Loan Estimate dated [Redacted] but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for appraised value, loan amount, loan points, interest rate [Redacted]. LEv3 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675065 | 3158635932 | 36653636 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Missing a copy of the signed final CD to confirm date received by borrower. | Reviewer Comment (2026-06-04): final signed CD received Buyer Comment (2026-06-04): Please see signed CD [Redacted] |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675065 | 3158635932 | 36653637 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Missing a copy of the signed final CD to confirm date received by borrower. | Reviewer Comment (2026-06-04): final signed CD received Buyer Comment (2026-06-04): Please see signed CD [Redacted] |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675067 | 3158635934 | 36609856 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Mortgage Insurance Certificate (MIC) not provided. | Reviewer Comment (2026-06-02): MI cert received Buyer Comment (2026-06-02): See MI cert Buyer Comment (2026-06-02): See attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675067 | 3158635934 | 36609886 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing MI cert. | Reviewer Comment (2026-06-02): MI cert received |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675067 | 3158635934 | 36609887 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing MI cert. | Reviewer Comment (2026-06-02): MI cert received Buyer Comment (2026-06-02): See attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675067 | 3158635934 | 36626241 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | MI Cert is missing from the file. | Reviewer Comment (2026-06-02): MI cert received Buyer Comment (2026-06-02): See attached. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675069 | 3158635939 | 36608421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the CD dated [Redacted], which is after the initial rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CIC for loan amount and appraised value [Redacted] . Loan points increased to $[Redacted] and LEv3 disclosed timely same day. Points decreased at closing. No CIC required for a decrease |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675070 | 3158635940 | 36694315 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | 3 | C | B | C | C | C | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| 225675070 | 3158635940 | 36653747 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675070 | 3158635940 | 36653768 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675070 | 3158635940 | 36653786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate but were disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for credit and loan points [Redacted]. LEv11 disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675070 | 3158635940 | 36653827 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Subordination Agreement Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2026-06-08): corrected PCCD, LOX, refund check and proof of mailing received Buyer Comment (2026-06-08): Please see PCCD and refund sent to the borrower Reviewer Comment (2026-06-04): Appears that $[Redacted] was provided as a cure at closing, which is the exact amount of the calculated overage for the Ten Percent fees in the other condition that was already cured. Buyer Comment (2026-06-04): Do not Concur. Subordination fee was already cured at closing |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675070 | 3158635940 | 36656281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total [Redacted]% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase (s). The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | B | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675072 | 3158635944 | 36677771 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received does not support the PIW value utilized for approval. | 3 | C | B | C | C | C | GA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| 225675072 | 3158635944 | 36612717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): RD - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | GA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675072 | 3158635944 | 36612732 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): RD - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675072 | 3158635944 | 36612759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not concur. Loan amount change increased loan points [Redacted]. CDv2 disclosed timely |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675072 | 3158635944 | 36612760 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-02): Do not Concur. Transfer tax tolerance violation already cured at closing |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675074 | 3158635946 | 36650391 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount, loan points, interest rate [Redacted]. Points increased to $[Redacted] and disclosed timely LEv7 same day. Loan points decreased at closing and CIC is not required for a decrease |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675075 | 3158635948 | 36607453 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675075 | 3158635948 | 36607455 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-01): PDI received, showing no damage to the property Buyer Comment (2026-06-01): see attached PDI |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675075 | 3158635948 | 36663812 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-04): BPO received |
06/04/2026 | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675076 | 3158635949 | 36652436 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Reviewer Comment (2026-06-05): cert received Buyer Comment (2026-06-05): In the file build page [Redacted] |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225675076 | 3158635949 | 36654643 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing MI Certificate. | Reviewer Comment (2026-06-05): MI cert received Buyer Comment (2026-06-05): Enact is in the file build page [Redacted] |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675076 | 3158635949 | 36654644 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing MI Certificate. | Reviewer Comment (2026-06-05): MI cert received |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675078 | 3158635952 | 36610354 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-01): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CICs for Loan points, LnRate, Loan amount [Redacted]. LEv5 disclosed timely |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675078 | 3158635952 | 36610370 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure is not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-06-01): verification of timely delivery of initial CD received, [Redacted] Buyer Comment (2026-06-01): Do not Concur. Initial CD was sent via [Redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225675078 | 3158635952 | 36623988 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-01): undiscounted interest rate and rate price received and deemed acceptable |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675078 | 3158635952 | 36624006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the Points/Fees failure. | Reviewer Comment (2026-06-01): undiscounted interest rate and rate price received and deemed acceptable Buyer Comment (2026-06-01): Please see attached undiscounted rate and reg testing |
06/01/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675079 | 3158635953 | 36628253 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-08): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-06-07): PCCD Buyer Comment (2026-06-07): See PCCD Reviewer Comment (2026-06-03): [Redacted] received rebuttal that all of processing fee should have been included in calculation. However, finance charge calculation should only include the borrower's finance charges in the calculation, and including the lender paid portion would have resulted in an even greater underdisclosure amount. Unable ot locate lender's compliance report or finance charge calculation. Please provide calculations. Underdisclosure of $[Redacted] can be cured with Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing. Buyer Comment (2026-06-02): Do not Concur. [Redacted] isn't including the entire processing fee $[Redacted]. $[Redacted] is a lender credit and the entire fee should be included as a prepaid fee. Please recalculate |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675080 | 3158635954 | 36626242 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-31): Sufficient Cure Provided At Closing |
05/31/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675081 | 3158635955 | 36608101 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675081 | 3158635955 | 36608103 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675081 | 3158635955 | 36608119 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675081 | 3158635955 | 36672260 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675082 | 3158635956 | 36628701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv3 disclosed timely same day |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675082 | 3158635956 | 36628702 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-08): PCCD, LOX and proof of mailing received Buyer Comment (2026-06-08): Please see attached PCCD Reviewer Comment (2026-06-08): [Redacted] received LOE, however we also require corrected PCCD moving the fee to sec C and LOE to borrower specifying the changes made. Buyer Comment (2026-06-05): Do not Concur. Please see the LOX from title. The [Redacted] 101 survey coverage fee is a title fee. No TRID violation for the fee being held to tolerance and didn't have to be. Buyer Comment (2026-06-04): Do not Concur that a cure is due back, but do concur that the [Redacted] Survey coverage fee is a title fee that should be in section C of the Closing Disclosure. Please confirm that a PCCD only is required. LOX from title attached. Reviewer Comment (2026-06-03): [Redacted] received rebuttal, however we require corrected PCCD along with LOE and attestation confirming title required the survey. Buyer Comment (2026-06-02): Do not Concur that a cure is due back, but do concur that the [Redacted] Survey coverage fee is a title fee that should be in section C of the Closing Disclosure. Please confirm that a PCCD only is required |
06/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675084 | 3158635962 | 36608728 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36608730 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36608742 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-01): valid COC received, and fee increase disclosed timely to borrower Buyer Comment (2026-06-01): Do not Concur. Valid CIC [Redacted] and attached complexity LOE for appraisal increase. CDv2 disclosed timely same day |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675084 | 3158635962 | 36608753 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36608754 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36612768 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOEs. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675084 | 3158635962 | 36612769 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOEs. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36612821 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOEs. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675084 | 3158635962 | 36612837 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for both borrowers dated within [Redacted] business days of closing. | Reviewer Comment (2026-06-02): employment verification documentation is sufficient per AUS |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675086 | 3158635964 | 36649794 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675088 | 3158635969 | 36633237 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] closing disclosure with no valid change of circumstance provided and no evidence of a tolerance cure. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Lock extension and valid CIC for loan points [Redacted]. CDv7 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225675088 | 3158635969 | 36633238 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] closing disclosure with no valid change of circumstance provided and no evidence of a tolerance cure. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CIC [Redacted]. Inspection required due to age or original appraisal |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675090 | 3158635971 | 36630650 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the points/fees failure. | Reviewer Comment (2026-06-02): undiscounted interest rate and rate price received Buyer Comment (2026-06-02): Please see attached undiscounted rate and reg test |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630651 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv4 disclosed timely same day and loan points decreased at closing |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted]. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630654 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675090 | 3158635971 | 36630655 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on [Redacted] Loan Estimate. No valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Valid CICs for Cash out LE expired, Purpose of ref, Loan amount, UFMIP,, and product change [Redacted]. LEv4 disclosed timely |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675091 | 3158635972 | 36625843 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | File is missing the Initial Escrow Account Disclosure. | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225675091 | 3158635972 | 36625779 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. | Reviewer Comment (2026-06-08): disclosure received Buyer Comment (2026-06-08): Please see attached acknowledgment. |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675091 | 3158635972 | 36625785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, Buyer Comment (2026-06-08): Please review breakdown to satisfy tolerance citing's |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675091 | 3158635972 | 36625786 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, Buyer Comment (2026-06-08): Please see attached break out of fees from our Correspondent lender. |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675091 | 3158635972 | 36625787 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675091 | 3158635972 | 36625789 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. File does not contain a valid Change of Circumstance for this added fee, nor evidence of cure in file. | Reviewer Comment (2026-06-09): initial LE showed these fees as Additional Charges, breakdown provided, |
06/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675091 | 3158635972 | 36630111 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2026-06-01): Do not concur - valid CIC in file page581 / D0606 |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675092 | 3158635975 | 36632676 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675092 | 3158635975 | 36632678 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675092 | 3158635975 | 36675844 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | TX | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675093 | 3158635976 | 36609879 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675093 | 3158635976 | 36609897 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675093 | 3158635976 | 36612894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675093 | 3158635976 | 36663405 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-05): Waived |
06/05/2026 | 2 | B | B | B | B | B | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675094 | 3158635977 | 36609399 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports the original appraised value. The UCDP in the file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-06-01): desk review supporting appraisal value has been received Buyer Comment (2026-06-01): please review |
06/01/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675096 | 3158635981 | 36648930 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675096 | 3158635981 | 36672273 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675097 | 3158635982 | 36606844 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure with an issue date of [Redacted] was signed/dated by the borrowers [Redacted]. | Reviewer Comment (2026-06-01): [Redacted] confirms timestamp accuracy Buyer Comment (2026-06-01): Please review Page [Redacted] / [Redacted]- Although issue date is incorrect ([Redacted]) - [Redacted] identifies the document was prepared [Redacted] (borrowers timestamp confirms) |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675097 | 3158635982 | 36607148 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. No valid COC found in file for the increase to the Recording Fee and no evidence of a tolerance cure. | Reviewer Comment (2026-06-01): valid COC received and changes delivered timely Buyer Comment (2026-06-01): the CD with issue date [Redacted] was received by borrower [Redacted] per signature, should be reviewed with CIC [Redacted] Buyer Comment (2026-06-01): Do Not Concur - please review valid CIC in file page [Redacted] / [Redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675097 | 3158635982 | 36609737 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VOE is not received within [Redacted] days of Note | Reviewer Comment (2026-06-03): VVOE received Buyer Comment (2026-06-03): Please view to clear remaining citing's |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675097 | 3158635982 | 36609750 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | Wages / Start Date: [Redacted]. VOE is not within [Redacted] days of Note | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675097 | 3158635982 | 36610121 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the borrower within [Redacted] business days of the Note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675097 | 3158635982 | 36610125 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675097 | 3158635982 | 36610126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675097 | 3158635982 | 36610130 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing VVOE within [Redacted] business days of the Note for the borrower. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675098 | 3158635986 | 36642089 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | 1003 indicates borrower is a permanent resident alien; however a copy of his Permanent Resident card was missing from the file. | Reviewer Comment (2026-06-05): perm res card received Buyer Comment (2026-06-05): Please review |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675100 | 3158635990 | 36643701 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675100 | 3158635990 | 36643832 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675100 | 3158635990 | 36643838 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675100 | 3158635990 | 36675984 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | MA | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675101 | 3158635991 | 36631330 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675101 | 3158635991 | 36631331 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675101 | 3158635991 | 36631356 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675101 | 3158635991 | 36631367 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675101 | 3158635991 | 36631378 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675101 | 3158635991 | 36631381 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675101 | 3158635991 | 36633696 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675101 | 3158635991 | 36633697 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | File is missing verbal verification of employment for borrower dated no more than 10 business days prior to the note date. | Reviewer Comment (2026-06-03): VVOE received Buyer Comment (2026-06-03): Do Not Concur - please review |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675101 | 3158635991 | 36675962 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675102 | 3158635992 | 36607811 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing income documentation and credit score not meeting guidelines. | Reviewer Comment (2026-06-03): income documentation received |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 225675102 | 3158635992 | 36607817 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File was missing a WVOE to evidence [Redacted] yrs receipt of tip income as required by the AUS. | Reviewer Comment (2026-06-03): income documentation received Buyer Comment (2026-06-03): Please review VOE and TIP worksheet |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225675102 | 3158635992 | 36611069 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-01): appraisal delivery verified in file is acceptable Buyer Comment (2026-06-01): Do Not Concur - please review page [Redacted] / [Redacted] |
06/01/2026 | 1 | B | A | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225675102 | 3158635992 | 36611418 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File was missing a WVOE to evidence [Redacted] yrs receipt of tip income as required by the AUS. | Reviewer Comment (2026-06-03): income documentation received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 225675102 | 3158635992 | 36612211 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Tip Income | General QM: Unable to verify Tip income due to, missing the Year [Redacted] tax returns or transcript, missing the Year [Redacted] tax returns or transcript. | Reviewer Comment (2026-06-03): income documentation received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 225675102 | 3158635992 | 36612212 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income documentation and credit score not meeting guidelines. | Reviewer Comment (2026-06-03): income documentation received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225675102 | 3158635992 | 36612214 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income documentation and credit score not meeting guidelines. | Reviewer Comment (2026-06-03): income documentation received |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 225675102 | 3158635992 | 36625889 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Borrower median credit score does not meet minimum requirement of [Redacted]. | Reviewer Comment (2026-06-01): [Redacted] min score was for an ARM. loan qualifies based on the AUS Buyer Comment (2026-06-01): Do Not Concur - please review DU findings reflect Approve/Eligible with the [Redacted] FICO (per FNMA it doesn't look like the FICO is restricted at [Redacted] |
06/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 225675103 | 3158635996 | 36676197 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Note Date: ___; Lien Position: ___ | BPO received did not support the value utilized for approval. | 3 | C | B | C | C | C | NJ | Primary | Refinance - Rate/Term | D | C | A | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| 225675103 | 3158635996 | 36632697 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Refinance - Rate/Term | D | C | A | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675104 | 3158635997 | 36648420 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675104 | 3158635997 | 36648423 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675104 | 3158635997 | 36648443 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used; the H-8 form should have been used. | Reviewer Comment (2026-06-04): same lender refinance, correct form utilized Buyer Comment (2026-06-04): Do Not Concur please review page 5-7 of preliminary title commitment (page 446/D0346) , should be considered same lender refinance |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675104 | 3158635997 | 36676161 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | MA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675108 | 3158636002 | 36650728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not concur. Please see CIC dated [Redacted]. Lock extension resulted in increase in loan points. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675108 | 3158636002 | 36650749 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-04): HOI coverage in file is acceptable Buyer Comment (2026-06-04): Do not concur. HOI policy states "[Redacted] - Replacement Cost - Similar Construction". |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675110 | 3158636005 | 36639047 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675110 | 3158636005 | 36639048 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675110 | 3158636005 | 36672259 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675111 | 3158636007 | 36630734 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675111 | 3158636007 | 36630742 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675111 | 3158636007 | 36672258 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675112 | 3158636008 | 36629608 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675112 | 3158636008 | 36629611 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675112 | 3158636008 | 36683012 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675113 | 3158636012 | 36637107 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675114 | 3158636013 | 36663788 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | 2 | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| 225675114 | 3158636013 | 36630197 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675114 | 3158636013 | 36630209 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO recieved Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO |
06/04/2026 | 1 | D | A | D | A | D | A | D | A | D | A | KS | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675115 | 3158636015 | 36638807 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675115 | 3158636015 | 36638833 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675115 | 3158636015 | 36638834 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided did not contain document date. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675115 | 3158636015 | 36638835 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not concur. Final CD reflects $[Redacted], not $[Redacted], which would be reflected as $[Redacted] on the LE rounded to the nearest dollar. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675115 | 3158636015 | 36638843 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675115 | 3158636015 | 36638844 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages [Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675115 | 3158636015 | 36638893 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to paystubs are not acceptable due to missing information and based on the AUS, income was validated using [Redacted]; however, the [Redacted] report in file is missing pages[Redacted] and does not reflect the income portion. | Reviewer Comment (2026-06-03): [Redacted] report received Buyer Comment (2026-06-03): Please review uploaded pages [Redacted] of [Redacted] [Redacted] report that does not contain any income figures. Please see paystub at [Redacted] with deposit of $[Redacted] reflected on page [Redacted] of [Redacted] report on [Redacted]. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675117 | 3158636020 | 36694218 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | 3 | C | B | C | C | C | CA | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||||
| 225675117 | 3158636020 | 36651204 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675117 | 3158636020 | 36651216 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | C | C | A | A | A | D | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675118 | 3158636021 | 36650598 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-06-08): HOI coverage is sufficinet Buyer Comment (2026-06-08): Guidelines require that "The minimum amount of required property insurance coverage must be equal to the lesser of (a) 100% of the replacement cost value of the improvements, or (b) The unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements." The latter part applies. $[Redacted] appraised value less $[Redacted] site value leaves an implied replacement cost of $[Redacted]. [Redacted]% of said amount is $[Redacted]. Loan amount (UPB) is $[Redacted]. $[Redacted] coverage plus $[Redacted] extended coverage ([Redacted]%) yields $[Redacted] which exceeds $[Redacted] loan amount and [Redacted]% of replacement cost. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675118 | 3158636021 | 36650603 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-08): evidence of appraisal delivery received Buyer Comment (2026-06-08): Please see attached evidence of appraisal receipt. |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675121 | 3158636025 | 36671767 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. The copies of this document in file are not ledgible. | Reviewer Comment (2026-06-08): IEADS received and ledgible. Buyer Comment (2026-06-08): See attached IEADS |
06/08/2026 | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675121 | 3158636025 | 36671770 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. The copies of this document in file are not ledgible. | Reviewer Comment (2026-06-08): RTC received and ledgible. Buyer Comment (2026-06-08): See attached Right of Rescission |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675121 | 3158636025 | 36671773 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675121 | 3158636025 | 36671774 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675121 | 3158636025 | 36672283 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-07): Sufficient Cure Provided At Closing |
06/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675121 | 3158636025 | 36676125 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | NJ | Primary | Refinance - Limited Cash-out GSE | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675122 | 3158636031 | 36641851 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675122 | 3158636031 | 36641873 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675122 | 3158636031 | 36676632 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675123 | 3158636036 | 36633092 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-07): final title policy received Buyer Comment (2026-06-06): See attached Title Policy Buyer Comment (2026-06-06): See attached Title Policy with sufficient coverage. |
06/07/2026 | 1 | B | A | B | A | B | A | B | A | B | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675123 | 3158636036 | 36633152 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing evidence of source of funds for Appraisal Fee paid outside of close. | Reviewer Comment (2026-06-02): asset documentation in file is acceptable Buyer Comment (2026-06-02): Do not concur: the Final CD reflects "To" Borrower, not "From" borrower. |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675123 | 3158636036 | 36633744 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Reviewer Comment (2026-06-02): asset documentation in file is acceptable |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225675123 | 3158636036 | 36633807 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing sufficient assets to close. | Reviewer Comment (2026-06-02): asset documentation in file is acceptable |
06/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675123 | 3158636036 | 36633808 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing sufficient assets to close. | Reviewer Comment (2026-06-02): asset documentation in file is acceptable |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675123 | 3158636036 | 36639124 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing sufficient assets to close. | Reviewer Comment (2026-06-02): asset documentation in file is acceptable |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675123 | 3158636036 | 36639129 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing evidence of source of funds for Appraisal Fee paid outside of close. | Reviewer Comment (2026-06-02): asset documentation in file is acceptable |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675126 | 3158636045 | 36606843 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment, the loan was a same lender refinance.. | Reviewer Comment (2026-06-01): client accepts EV2 condition Buyer Comment (2026-06-01): EV2 accepted. |
06/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675127 | 3158636046 | 36642905 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | 1003 indicates borrower is a permanent resident alien; however the Permanent Resident card was not found in file. | Reviewer Comment (2026-06-05): ID card received Buyer Comment (2026-06-05): Please see attached Resident Card |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675128 | 3158636048 | 36642095 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO recieved Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675128 | 3158636048 | 36644337 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675128 | 3158636048 | 36676278 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675129 | 3158636050 | 36645093 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): [Redacted] - Please see attached BPO Reviewer Comment (2026-06-03): this is a property inspection report, not a secondary valuation product. Buyer Comment (2026-06-03): See page [Redacted] in the Loan File.. |
06/04/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675129 | 3158636050 | 36645827 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The initial Loan Estimate provided for review was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. A separate disclosure is not provided. | Reviewer Comment (2026-06-04): proof of appraisal delivery provided Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] -E-consent received |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675129 | 3158636050 | 36645828 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The earliest disclosure provided was issued on [Redacted], which is more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2026-06-04): evidence of disclosure delivery received Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] -E-consent received |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675129 | 3158636050 | 36645829 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The disclosure is dated [Redacted], which is more than 3 business days after the application date ([Redacted]). | Reviewer Comment (2026-06-04): evidence of disclosure delivery received Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] -E-consent received |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675129 | 3158636050 | 36645831 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The initial Loan Estimate was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. | Reviewer Comment (2026-06-04): evidence of disclosure delivery received Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File, as per the borrower request to Reprint the Full Package dated [Redacted] -E-consent received |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675129 | 3158636050 | 36663737 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-04): Drive-by BPO received, no damage reported |
06/04/2026 | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 225675129 | 3158636050 | 36695132 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-09): Waived |
06/09/2026 | 2 | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | D | B | A | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675131 | 3158636052 | 36645762 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | [Redacted]% DTI exceeds [Redacted]% maximum. [Redacted]% DTI includes $[Redacted]monthly property tax amount per tax collector tax rolls and preliminary title work. Lender's [Redacted]% DTI includes a lower calculated $[Redacted]monthly property tax amount based on a [Redacted]% tax rate and $[Redacted]acquisition price. | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements Buyer Comment (2026-06-04): Please see page [Redacted] in the Loan File.. Refinance of subject property is a delayed financing transaction. Date of acquisition is [Redacted]. The document reflects $[Redacted]/year in property taxes. The millage rate calculation is also included and reflects worst case scenario per credit policy. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675131 | 3158636052 | 36645763 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | [Redacted]% DTI exceeds [Redacted]% maximum. [Redacted]% DTI includes $[Redacted]monthly property tax amount per tax collector tax rolls and preliminary title work. Lender's [Redacted]% DTI includes a lower calculated $[Redacted]monthly property tax amount based on a [Redacted]% tax rate and $[Redacted]acquisition price. | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements Buyer Comment (2026-06-04): see page [Redacted] in the Loan File |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675131 | 3158636052 | 36645767 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum. | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements Buyer Comment (2026-06-04): see page [Redacted] in the Loan File |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675131 | 3158636052 | 36645773 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements Buyer Comment (2026-06-04): see page [Redacted] in the Loan File |
06/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675131 | 3158636052 | 36645774 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to [Redacted]% DTI exceeds [Redacted]% maximum, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-04): DTI ratio now meeting AUS/guideline requirements Buyer Comment (2026-06-04): see page [Redacted] in the Loan File |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675132 | 3158636054 | 36630967 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted]POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. File is missing verification of the payment of the appraisal fee prior to closing. | Reviewer Comment (2026-06-03): asset documentation in file is sufficient Buyer Comment (2026-06-03): Do not concur: P.O.C. items reflect upfront expenses paid out of pocket and are shown on the Closing Disclosure for transparency and informational purposes. Because the appraisal fee has already been paid out of pocket, it should not be included in the final cash-to-close amount. |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675132 | 3158636054 | 36640191 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted]POC, total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. File is missing verification of the payment of the appraisal fee prior to closing. | Reviewer Comment (2026-06-03): asset documentation in file is sufficient |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675132 | 3158636054 | 36640224 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to file being short the required verified funds. | Reviewer Comment (2026-06-03): asset documentation in file is sufficient |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675132 | 3158636054 | 36640225 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to file being short the required verified funds. | Reviewer Comment (2026-06-03): asset documentation in file is sufficient |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675132 | 3158636054 | 36640229 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to file being short the required verified funds. | Reviewer Comment (2026-06-03): asset documentation in file is sufficient |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675134 | 3158636060 | 36644115 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-09): client accepts EV2 condition Buyer Comment (2026-06-09): Concur. Accept EV2. |
06/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Rate/Term | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675134 | 3158636060 | 36644142 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | TN | Primary | Refinance - Rate/Term | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675134 | 3158636060 | 36644261 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675134 | 3158636060 | 36672257 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | TN | Primary | Refinance - Rate/Term | D | B | B | B | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675135 | 3158636061 | 36607771 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675135 | 3158636061 | 36607787 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675135 | 3158636061 | 36607839 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $0.00 for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-06-03): RCE received, sufficient HOI coverage confirmed Buyer Comment (2026-06-03): Please review RCE |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675135 | 3158636061 | 36611397 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of Note and Title Commitment loan was a same lender refinance. | Reviewer Comment (2026-06-01): client accepts EV2 condition Buyer Comment (2026-06-01): Concur. Accept Grade 2. |
06/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675135 | 3158636061 | 36676241 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | B | B | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675138 | 3158636065 | 36648080 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicates $[Redacted]/yr in HOA dues; however, the final CD did not reflect any amount in the filed for "Non-Escrowed Property Costs over Year 1 on page 4. | 3 | C | C | C | C | C | C | C | C | C | C | AR | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 225675138 | 3158636065 | 36648085 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not concur. Please review document ID D0389 page 205, valid Change in Circumstance form ;Loan was locked. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675139 | 3158636068 | 36645278 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675142 | 3158636072 | 36608342 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675142 | 3158636072 | 36612498 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 225675143 | 3158636076 | 36649986 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | 1 | D | A | B | A | D | A | C | A | D | A | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675143 | 3158636076 | 36672271 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | 2 | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225675144 | 3158636078 | 36637701 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for failing points and fees test. | Reviewer Comment (2026-06-03): undiscounted rate and rate price received |
06/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675144 | 3158636078 | 36637702 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-03): undiscounted rate and rate price received Buyer Comment (2026-06-03): Do Not Concur - please review Loan Detail Report [Redacted], page[Redacted]/[Redacted] and Fee Details Form, page[Redacted]/[Redacted]- excluded bona fide discount points |
06/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675146 | 3158636082 | 36650768 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | AUS did not allow for an appraisal waiver. Appraisal missing from loan file. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): See attached. Buyer Comment (2026-06-08): See attached |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675146 | 3158636082 | 36651458 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Waterfall finding due to the missing appraisal. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): Waterfall Appraisal. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675146 | 3158636082 | 36651676 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-06-04): undiscounted interest rate information received Buyer Comment (2026-06-04): Please see rate attached |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675146 | 3158636082 | 36651677 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The figures in section G of the Closing Disclosure changed on the Post-Close CD and there was no evidence a new Initial Escrow Account Disclosure was issued to the borrower. | Reviewer Comment (2026-06-04): IEADS received Buyer Comment (2026-06-04): Please see attached IEADS |
06/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675146 | 3158636082 | 36651679 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing appraisal and QM Points/Fees failure. | Reviewer Comment (2026-06-04): undiscounted interest rate information received Buyer Comment (2026-06-04): Please see rate attached |
06/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675146 | 3158636082 | 36651680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Le sent timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675146 | 3158636082 | 36651681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CIC for loan amount [Redacted]. LE disclosed timely |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675146 | 3158636082 | 36654171 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Waterfall finding due to the missing appraisal. Unable to calculate LTV. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): Waterfall for Appraisal |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675146 | 3158636082 | 36654172 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Waterfall finding due to the missing appraisal. Unable to calculate CTV. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): Waterfall for appraisal |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675146 | 3158636082 | 36654259 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal missing from file. Loan did not receive valuation waiver from AUS and an appraisal fee was charged on the final Closing Disclosure. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): CU score uploaded. |
06/08/2026 | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675146 | 3158636082 | 36660422 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Appraisal missing from file. Loan did not receive valuation waiver from AUS and an appraisal fee was charged on the final Closing Disclosure. | Reviewer Comment (2026-06-08): appraisal received Buyer Comment (2026-06-08): Waterfall for appraisal. |
06/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675147 | 3158636084 | 36626934 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of lender credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-02): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-02): Do not Concur. Lock extension and valid CIC for loan points [Redacted]. CDv6 disclosed timely [Redacted] |
06/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675148 | 3158636088 | 36646892 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for lender credits. Final lender credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid change of circumstance found in file and there was no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CIC for appraised value [Redacted]. Premium pricing decreased $1508 and disclosed timely. Premium pricing actually increased at closing and is in benefit to the customer. |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675148 | 3158636088 | 36646895 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. Transaction date considered to be [Redacted] as none of the [Redacted] CDs in file are signed/dated and [Redacted] would be the earliest presumed date of receipt. | Reviewer Comment (2026-06-04): signed final CD received Buyer Comment (2026-06-04): Do not Concur. See attached signed CD |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675148 | 3158636088 | 36646896 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Transaction date considered to be [Redacted] as none of the [Redacted] CDs in file are signed/dated and [Redacted] would be the earliest presumed date of receipt, resulting in an expected RTC expiration date of [Redacted]. | Reviewer Comment (2026-06-04): signed final CD received Buyer Comment (2026-06-04): Do not Concur. See attached signed CD |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675149 | 3158636089 | 36650628 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI. | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable |
06/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675149 | 3158636089 | 36652087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the DTI. | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable Buyer Comment (2026-06-05): waterfall |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675149 | 3158636089 | 36652158 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | DTI discrepancy due to amount of income used for co-borrower. Letter in file from employer states income at $[Redacted] annually or $[Redacted]/mo, resulting in a DTI of [Redacted]. The AUS approved a DTI of [Redacted]%. | Reviewer Comment (2026-06-05): higher income for co-borrower confirmed and acceptable Buyer Comment (2026-06-05): Also paystubs in file show a salary of [Redacted] from the department of defense Buyer Comment (2026-06-05): This loan has digital income [Redacted] submitted DFAS income of $[Redacted] is relieved of representations and warranties for the accuracy of the income calculation and the integrity of data. This income was assessed using Direct Deposits and the [[Redacted]: [Redacted]-[Redacted]-[Redacted]] report dated [Redacted] expires [Redacted]; the report must be retained in the loan file. No further documentation is required for this income. |
06/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675150 | 3158636090 | 36654747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial Closing Disclosure by the borrower and the presumed receipt date would not have been at least 3 business days prior closing. | Reviewer Comment (2026-06-04): proof of initial CD delivery to borrower has been received Buyer Comment (2026-06-04): Do not Concur. Initial CD sent via [Redacted] [Redacted] |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225675150 | 3158636090 | 36654748 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] % or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-04): Cured at closing or within 60 days of consummation prior to TPR review |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675150 | 3158636090 | 36654749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for credit and loan points [Redacted]. Points increased to $[Redacted]. Points actually decreased at closing. No cure due back |
06/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |