COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.8
| Loan ID | Seller Loan ID | Deal ID | Investor Loan ID | Mapped ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | 4350120941 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||
| XXXX | 4350120943 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-03-27 19:02 | 2026-04-17 09:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The asset condition were resolved. - Due Diligence Vendor-04/17/2026 Counter-Pending receipt of missing assets. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Subject primary purchase. Borr short -$XXXX funds to close. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Resolved-The asset condition were resolved. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.71 LTV is less than guideline maximum - Required is 75 Borrower has 39.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770 |
XXXX-V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120943 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-03-27 18:58 | 2026-04-16 13:10 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received source/additional assets. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Counter-XXXX Statement for XXXX provided with a balance of $XXXX. Not other assets provided. Please provide the source of the $XXXX funds brought to close. - Due Diligence Vendor-0XXXX/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Counter-Received title receipt for deposit of $XXXX. Review is unable to locate statement or statements reflecting sufficient funds. Review confirms XXXX verified. Please document source of funds to closing. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please reconsider and remove this condition based on the following: The most recent one month bank statement was already provided. Since the application date was February XXXX, the January bank statement satisfies the documentation requirement. In addition, the attached Escrow Closing Fund Receipt confirms that the funds came directly from the borrower. Further, under the XXXX, Section 11.1, Evaluating Large Deposits, it states: “The source of a large deposit does not need to be documented if the eligible assets on file are from U.S. banks or brokerage accounts, unless the deposits are clearly identified as originating from a financing firm or new loan proceeds.” Based on this guideline, the deposit is not required to be sourced, as the assets are from an eligible U.S. bank account and there is no indication that the deposit originated from a financing firm or new loan proceeds. Accordingly, we respectfully request that this condition be removed. - Seller-04/03/2026 Counter-Received Post Close CD dated XXXX which reflects additional deposit of $XXXX. Missing source of funds of additional deposit. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Open-Total Qualified Assets Post-Close amount is '$-XXXX'. Assets are Insufficient. Subject primary purchase. Borr short XXXX funds to close. - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/14/2026 Ready for Review-Document Uploaded. Please reconsider and remove this condition based on the following: The most recent one month bank statement was already provided. Since the application date was XXXX, the XXXX bank statement satisfies the documentation requirement. In addition, the attached Escrow Closing Fund Receipt confirms that the funds came directly from the borrower. Further, under the XXXX XXXXs, Section 11.1, Evaluating Large Deposits, it states: “The source of a large deposit does not need to be documented if the eligible assets on file are from U.S. banks or brokerage accounts, unless the deposits are clearly identified as originating from a financing firm or new loan proceeds.” Based on this guideline, the deposit is not required to be sourced, as the assets are from an eligible U.S. bank account and there is no indication that the deposit originated from a financing firm or new loan proceeds. Accordingly, we respectfully request that this condition be removed. - Seller-04/03/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 |
Resolved-Received source/additional assets. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.71 LTV is less than guideline maximum - Required is 75 Borrower has 39.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770 |
XXXX-V1.pdf XXXX_Closing Funds.pdf Guideline.pdf XXXX-V2.pdf XXXX (1).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120942 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-03-30 19:54 | 2026-04-24 13:58 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received email from tax preparer phone number to business not required to be listed on internet. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Uploaded. Google Search. - Seller-04/23/2026 Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. Uploaded. Google Search. - Seller-04/23/2026 |
Resolved-Received email from tax preparer phone number to business not required to be listed on internet. - Due Diligence Vendor-04/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721 LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.86 Required is 49.99 Borrower has 37.86 |
GOOGLE SEARCH.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120942 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-03-27 14:43 | 2026-03-30 06:05 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/27/2026 | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721 LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.86 Required is 49.99 Borrower has 37.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120944 | XXXX | XXXX | C | B | C | A | C | B | A | A | Closed | XXXX | 2026-04-02 23:09 | 2026-06-04 11:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/04/2026 Resolved-Received PCCD confirming no assets required for closing. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Uploaded. See revised PCCD. - Seller-04/22/2026 Counter-Received PCCD. Borrower needs $XXXX funds for closing. Missing validation of sufficient funds. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing Assets to cover cash to close of $XXXX. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See revised PCCD. - Seller-04/22/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/04/2026 Resolved-Received PCCD confirming no assets required for closing. - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 60.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.02 |
PCCD.pdf PCCD.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120944 | XXXX | XXXX | C | B | C | A | C | B | A | A | Closed | XXXX | 2026-04-01 10:32 | 2026-04-20 13:27 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 04/16/2026. Finding Resolved. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 Open-This loan failed the TILA right of rescission test.Closed-end XXXX) , transferred from XXXX, Open-end XXXX) , transferred from XXXX)The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXXX, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/20/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 60.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.02 |
PCCD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120944 | XXXX | XXXX | C | B | C | A | C | B | A | A | Closed | XXXX | 2026-04-02 07:07 | 2026-04-02 07:15 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings - Due Diligence Vendor-04/02/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings - Due Diligence Vendor-04/02/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 60.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120945 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-02 14:13 | 2026-04-22 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparers license validation - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded. See Tax EA verification. - Seller-04/20/2026 Open-Borrower 1 CPA Letter Missing Provide verification tax preparer is EA, additional findings may apply. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. Uploaded. See Tax EA verification. - Seller-04/20/2026 |
Resolved-Received tax preparers license validation - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.99 Required is 49.99 Borrower has 37.99 |
RPO Preparer Directory (1) Verification EA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120945 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-01 12:59 | 2026-04-22 16:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property 7: Missing Property Tax Cert | Resolved-Validated property taxes. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded. See property tax. - Seller-04/20/2026 Open-Property 7: Missing Property Tax Cert, (Last property on URLA continuation sheet) - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Uploaded. See property tax. - Seller-04/20/2026 |
Resolved-Validated property taxes. - Due Diligence Vendor-04/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.99 Required is 49.99 Borrower has 37.99 |
Property Tax.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120945 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-01 12:09 | 2026-04-17 12:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Management approval. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Uploaded. Fraud Guard letter approval. - Seller-0XXXX/2026 Open-Fraud Report Shows Uncleared Alerts XXXX® scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. Provide Documentation, additional findings may apply. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Uploaded. XXXX letter approval. - Seller-0XXXX/2026 |
Resolved-Received Management approval. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.99 Required is 49.99 Borrower has 37.99 |
XXXX letter approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120945 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-01 12:41 | 2026-04-17 12:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage Statement. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Uploaded. See Mortgage Statement #XXXX. - Seller-0XXXX/2026 Open-Housing History Does Not Meet Guideline Requirements Provide housing history for XXXX - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Uploaded. See Mortgage Statement #XXXX. - Seller-0XXXX/2026 |
Resolved-Received Mortgage Statement. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.99 Required is 49.99 Borrower has 37.99 |
Mortgage Statement #XXXX - #XXXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120946 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-03 13:58 | 2026-04-15 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Received confirmation from Title, UCC is terminated. - Due Diligence Vendor-0XXXX/2026 Ready for Review-Document Uploaded. Uploaded. See Recorded XXXX UCC Financing Statement Amendment and received email response from title, Final TP is still being worked on. - Seller-04/13/2026 Open-Missing Subordination Agreement Preliminary Title Commitment list XXXX, Inc XXXX financing agreement recorded on Title XXXX. XXXX Agreement/Disclosure in-file signed, dated by Borr XXXX in effect with a remaining balance of $XXXX. XXXX- Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See Recorded XXXX UCC Financing Statement Amendment and received email response from title, Final TP is still being worked on. - Seller-04/13/2026 |
Resolved-Received confirmation from Title, UCC is terminated. - Due Diligence Vendor-0XXXX/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.89 Months Reserves exceed minimum required - 22.96mos reserves. Per guides, no reserves required LTV is less than guideline maximum - Required is 75 Borrower has 66.15 |
Email Response from Title on Item #6 termination.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120946 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-03 13:58 | 2026-04-15 12:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Confirmation from Title, UCC is terminated. - Due Diligence Vendor-0XXXX/2026 Ready for Review-Document Uploaded. Uploaded. See Recorded XXXX UCC Financing Statement Amendment and received email response from title, Final TP is still being worked on. - Seller-04/13/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Subject loan XXXX Preliminary Title proposed loan amount coverage $XXXX however, XXXX, Inc XXXX financing agreement recorded and in effect has a remaining balance of $XXXX. Total estimated minimum coverage required $XXXX. XXXX- Due Diligence Vendor-04/03/2026 |
Ready for Review-Document Uploaded. Uploaded. See Recorded XXXX UCC Financing Statement Amendment and received email response from title, Final TP is still being worked on. - Seller-04/13/2026 |
Resolved-Received Confirmation from Title, UCC is terminated. - Due Diligence Vendor-0XXXX/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.89 Months Reserves exceed minimum required - 22.96mos reserves. Per guides, no reserves required LTV is less than guideline maximum - Required is 75 Borrower has 66.15 |
Email Response from Title on Item #6 termination.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120946 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-03 10:03 | 2026-04-03 13:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------ Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2026 | Waived-Required Affiliated Business Disclosure Missing ------ Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.89 Months Reserves exceed minimum required - 22.96mos reserves. Per guides, no reserves required LTV is less than guideline maximum - Required is 75 Borrower has 66.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120946 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-03 10:03 | 2026-04-03 13:07 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2026 | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.89 Months Reserves exceed minimum required - 22.96mos reserves. Per guides, no reserves required LTV is less than guideline maximum - Required is 75 Borrower has 66.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120939 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | 2026-04-10 09:24 | 2026-04-16 12:39 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 Open-This loan failed the TILA right of rescission test.Closed-end XXXX) , transferred from XXXX, Open-end XXXX) , transferred from XXXX)The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXXX, or delivery of all material disclosures, whichever occurs last. ----- The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of 03/31/2026. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/16/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Months Reserves exceed minimum required - Reserves required 4 and verified 7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720 |
Post_CD_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120940 | XXXX | XXXX | C | A | A | A | C | A | A | A | Closed | XXXX | 2026-04-10 05:55 | 2026-04-16 12:21 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-0XXXX/2026 Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). -----Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/10/2026 |
Ready for Review-Document Uploaded. Please see the PCCD - Seller-0XXXX/2026 |
Resolved-Received PCCD 0XXXX/206. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.17 LTV is less than guideline maximum - Required is 75 Borrower has 45.85 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |
Post_CD_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120929 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-04-13 15:07 | 2026-04-24 13:32 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received corrected final 1003 - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. 1003 was updated previously. Please see the updated 1003 - Seller-04/22/2026 Counter-Internet print out provided however the Phone Number listed on the Internet does not match the Phone Number the borrow stated on the 1003 loan application. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see the google search result. XXXX - Seller-0XXXX/2026 Open-Missing verification of business phone number via Google Search, 411.com or internet. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document Uploaded. 1003 was updated previously. Please see the updated 1003 - Seller-04/22/2026 Ready for Review-Document Uploaded. Please see the google search result. XXXX - Seller-0XXXX/2026 |
Resolved-Received corrected final 1003 - Due Diligence Vendor-04/24/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 57.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 758 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.5 |
XXXX - Google Search.pdf XXXX-XXXX-XXX.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120936 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | 2026-04-13 11:29 | 2026-04-14 10:28 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waiver to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/14/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/13/2026 |
Waived-Waiver to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/14/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120936 | XXXX | XXXX | C | B | A | A | C | B | A | A | Closed | XXXX | 2026-04-13 10:26 | 2026-04-13 11:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120928 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | |||||||||||||||||
| XXXX | 4350120938 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||
| XXXX | 4350120932 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | |||||||||||||||||
| XXXX | 4350120937 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||
| XXXX | 4350120935 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-15 20:40 | 2026-04-20 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Enrolled agent letter and license validation. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Uploaded.. See CPA License Validation. - Seller-04/16/2026 Open-Borrower 1 CPA Letter Missing •CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. Uploaded.. See CPA License Validation. - Seller-04/16/2026 |
Resolved-Received Enrolled agent letter and license validation. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 4 months required - have 24 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.62 |
CPA LICENSE VALIDATION.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120935 | XXXX | XXXX | D | B | D | A | B | B | A | A | Closed | XXXX | 2026-04-14 16:53 | 2026-04-14 17:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - 4 months required - have 24 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.62 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120934 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-15 11:07 | 2026-04-17 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Upon further review, XXXX is not required to removed as it is being paid through the annual taxes. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Items #7 and #8 refer to a Notice of Special Tax Lien (XXXX), and we have already included and calculated it in the tax assessment. Items #12 and #13 are related to the seller’s mortgage and will not appear on the final policy. Please review again and update the condition. Thank you - Seller-04/16/2026 Open-Title Document is Incomplete Title Document is Incomplete. Missing copy of the Title Supplement to reflect #7,#8,#12 and #13 have been omitted. - Due Diligence Vendor-0XXXX/2026 |
Ready for Review-Document Uploaded. Items #7 and #8 refer to a Notice of Special Tax Lien (XXXX), and we have already included and calculated it in the tax assessment. Items #12 and #13 are related to the seller’s mortgage and will not appear on the final policy. Please review again and update the condition. Thank you - Seller-04/16/2026 |
Resolved-Upon further review, XXXX-XXXX is not required to removed as it is being paid through the annual taxes. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 2.27 |
TITLE SUPPLEMENT #7, #8.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4350120934 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-15 06:36 | 2026-04-17 14:17 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received CDA letter stating that the nature of the business, a dedicated business phone number is not required, - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. CPA Verified the borrower's nature or business and confirmed the business phone number is not required to be listed for he type of business being operated by the borrower. This CPA letter has been already submitted. Please review and update the condition. - Seller-0XXXX/2026 Open-Income 1 Months Income Verified is Missing. Business Bank Statement program requires a business number search. Missing the business phone number verified with via Google Search, 411.com or internet. - Due Diligence Vendor-0XXXX/2026 |
Ready for Review-Document Uploaded. CPA Verified the borrower's nature or business and confirmed the business phone number is not required to be listed for he type of business being operated by the borrower. This CPA letter has been already submitted. Please review and update the condition. - Seller-0XXXX/2026 |
Resolved-Received CDA letter stating that the nature of the business, a dedicated business phone number is not required, - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 2.27 |
busienss phone number.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4350120933 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-15 19:30 | 2026-04-22 17:25 | Resolved | 1 - Information | C | A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. I have attached the updated loan approval. At the approved stage prior to Clear-to-Doc, this file was classified as RED 3; however, at the Clear-to-Doc stage, it was changed to a RED 1 file. Please review this again and assist with removing the condition. Thank you. - Seller-04/21/2026 Counter-Received rebuttal for different program. Review note: loan approval states RED 3 with max cash out $XXXX. Finding remains. - Due Diligence Vendor-04/20/2026 Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $XXXX maximum cash-out when the LTV is greater than 60%, referencing RED3 guidelines. However, this loan is under the RED1 program, not RED3. Per RED1 program guidelines, the XXXX cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on RED3 criteria. Given that this loan is correctly structured under RED1, we respectfully request that this condition be removed or revised accordingly. - Seller-04/19/2026 Counter-Approval provided in the loan package reflect RED3. Finding remains. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Only the RED3 file has the guideline requirement stating a maximum cash-out of $XXXX. This loan is under the RED program and is not subject to this guideline requirement. Please review the attached highlighted guideline and update the condition accordingly. - Seller-04/16/2026 Open-Cash Out Does Not Meet Guideline Requirements max cash out is $XXXX when the LTV is greater than 60%, borrower received back $XXXX - Due Diligence Vendor-0XXXX/2026 |
Ready for Review-Document Uploaded. I have attached the updated loan approval. At the approved stage prior to Clear-to-Doc, this file was classified as RED 3; however, at the Clear-to-Doc stage, it was changed to a RED 1 file. Please review this again and assist with removing the condition. Thank you. - Seller-04/21/2026 Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $XXXX maximum cash-out when the LTV is greater than 60%, referencing RED3 guidelines. However, this loan is under the RED1 program, not RED3. Per RED1 program guidelines, the $XXXX cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on RED3 criteria. Given that this loan is correctly structured under RED1, we respectfully request that this condition be removed or revised accordingly. - Seller-04/19/2026 Ready for Review-Document Uploaded. Only the RED3 file has the guideline requirement stating a maximum cash-out of $XXXX. This loan is under the RED program and is not subject to this guideline requirement. Please review the attached highlighted guideline and update the condition accordingly. - Seller-04/16/2026 |
Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
XXXX.pdf approval update.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120933 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-15 19:19 | 2026-04-17 16:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA state due to the nature of the business, a google phone number is not required. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. CPA letter shows 'the nature of his business, a google phone number is not required'. Please review and help clear the condition. Thank you! - Seller-04/16/2026 Open-Borrower 1 CPA Letter Missing Two years self-employment required and Business phone number verification via Google Search, 411.com or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. CPA letter does not address the business phone number. - Due Diligence Vendor-0XXXX/2026 |
Ready for Review-Document Uploaded. CPA letter shows 'the nature of his business, a google phone number is not required'. Please review and help clear the condition. Thank you! - Seller-04/16/2026 |
Resolved-Received CPA state due to the nature of the business, a google phone number is not required. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |
Revised CPA Letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120948 | XXXX | XXXX | D | A | D | A | C | A | D | A | Closed | XXXX | 2026-04-16 22:46 | 2026-06-03 09:41 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the appraisal report - Seller-04/23/2026 Open-Appraisal is Missing Appraisal missing. Provide appraisal dated XXXX for $XXXX by appraiser XXXX [to match desk review in file](The appraisal in the file is not for the subject address). - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see the appraisal report - Seller-04/23/2026 |
Resolved-Received appraisal. - Due Diligence Vendor-04/27/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Months Reserves exceed minimum required - 4 months required - have 9.45 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.95 |
XXXX-V5.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120948 | XXXX | XXXX | D | A | D | A | C | A | D | A | Closed | XXXX | 2026-04-16 08:10 | 2026-04-30 13:04 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received request to remove incorrect initial LE. Finding Resolved. - Due Diligence Vendor-04/30/2026 Ready for Review-Please disregard the initial LE with the loan amount of $XXXX - Seller-04/28/2026 Counter-We have 2 initial LE's dated XXXX, one shows a loan amount of $XXXX with no recording fees on it, one shows a loan amount of $XXXX with recording fees. Please provide a COC for the added fee. - Due Diligence Vendor-04/27/2026 Ready for Review-Initial and locked LE recording fees are states as $XXXX and the ICD and FCD went down to $XXXX. Could you please clarify where the increase is? - Seller-04/23/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Please disregard the initial LE with the loan amount of $XXXX - Seller-04/28/2026 Ready for Review-Initial and locked LE recording fees are states as $XXXX and the ICD and FCD went down to $XXXX. Could you please clarify where the increase is? - Seller-04/23/2026 |
Resolved-Received request to remove incorrect initial LE. Finding Resolved. - Due Diligence Vendor-04/30/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Months Reserves exceed minimum required - 4 months required - have 9.45 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| XXXX | 4350120948 | XXXX | XXXX | D | A | D | A | C | A | D | A | Closed | XXXX | 2026-04-16 23:10 | 2026-04-27 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC license validation. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the CTEC search result. - Seller-04/23/2026 Open-Borrower 1 CPA Letter Missing • CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Please see the XXXX search result. - Seller-04/23/2026 |
Resolved-Received XXXX license validation. - Due Diligence Vendor-04/27/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Months Reserves exceed minimum required - 4 months required - have 9.45 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.95 |
Find or Verify a California Tax Preparer _ CTEC.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120948 | XXXX | XXXX | D | A | D | A | C | A | D | A | Closed | XXXX | 2026-04-16 08:10 | 2026-04-27 10:23 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 04/23/2026. Finding Resolved. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/23/2026 Open-This loan failed the TILA right of rescission test.Closed-end XXXX) , transferred from XXXX, Open-end XXXX) , transferred from XXXX)The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXXX, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/23/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/27/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Months Reserves exceed minimum required - 4 months required - have 9.45 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.95 |
Post_CD_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120948 | XXXX | XXXX | D | A | D | A | C | A | D | A | Closed | XXXX | 2026-04-17 05:31 | 2026-04-17 09:21 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-04/17/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage does not include the subordinate lien. - Due Diligence Vendor-04/17/2026 |
Resolved-Title Coverage Amount of $XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-04/17/2026 |
Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months Months Reserves exceed minimum required - 4 months required - have 9.45 months Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| XXXX | 4350120931 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-20 11:49 | 2026-04-22 11:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Risk Score over 800 - Alerts will not be cleared. However - there is UW Management review and Approval in file for Risk Score > 800 - Due Diligence Vendor-04/22/2026 Counter-Client Comments - This is part of the XXXX culture regarding family names. In XXXX culture, certain family names are extremely common; for example, XXXX is the second most common surname. Much like the surname XXXX, sharing this last name does not indicate a familial relationship. - AUDIT Response - All variances noted on the Fraud report must be reviewed and mitigated with comments and supporting documentation, if necessary, before the final clear to close can be issued. Clearing Variances on Fraud Report: Underwriters must note how they mitigated the Moderate and High Risk Variances on the Fraud report by making notes on the report. Supporting documentation should be included in file before the final clear to close be issued. - Due Diligence Vendor-04/21/2026 Open-Fraud Report Shows Uncleared Alerts Fraud report reflects a high alert for suspicious sale. Borrower and loan officer have the same last name. No documentation provided to support the alert has been cleared. - Due Diligence Vendor-04/20/2026 |
Resolved-Risk Score over 800 - Alerts will not be cleared. However - there is UW Management review and Approval in file for Risk Score > 800 - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - 48 months verified employment per the WVOR. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4350120931 | XXXX | XXXX | D | A | D | A | A | A | A | A | Closed | XXXX | 2026-04-20 10:18 | 2026-04-22 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit Report - new inquiries are from same broker as original credit report - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. - Seller-04/21/2026 Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report within 10 days of the note date(XXXX). - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/21/2026 |
Resolved-Received Gap Credit Report - new inquiries are from same broker as original credit report - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - 48 months verified employment per the WVOR. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
Credit_Report_XXXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4350120930 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-04-17 18:18 | 2026-04-23 08:29 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Hello team, We have reviewed the gap credit report gain we have provided but end of report date shows XXXX which is prior to the disbursement date (funded date) XXXX at the bottom of the report. Please clear this condition based on it. - Seller-04/23/2026 Counter-Review is unable to exclude Sunday in gap credit dates. Gap credit report XXXX, provided 11 days prior to close (>10days from Note XXXX). - Due Diligence Vendor-04/22/2026 Ready for Review-The Gap Credit Report was provided 10 days prior to close, excluding Sunday. Given this, could you kindly review the timing and consider removing this condition? - Seller-04/20/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report XXXX, provided 11 days prior to close (>10days from Note XXXX). - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. Hello team, We have reviewed the gap credit report gain we have provided but end of report date shows XXXX which is prior to the disbursement date (funded date) XXXX at the bottom of the report. Please clear this condition based on it. - Seller-04/23/2026 Ready for Review-The Gap Credit Report was provided 10 days prior to close, excluding Sunday. Given this, could you kindly review the timing and consider removing this condition? - Seller-04/20/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.32 LTV is less than guideline maximum - Required is 75 Borrower has 50 |
CREDIT REFRESH.pdf Screenshot XXXX.png |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4350120930 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-04-17 12:53 | 2026-04-17 12:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.32 LTV is less than guideline maximum - Required is 75 Borrower has 50 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120952 | XXXX | XXXX | B | B | A | A | B | B | A | A | Closed | XXXX | 2026-04-20 11:03 | 2026-04-20 11:03 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |
Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.33 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 LTV is less than guideline maximum - Required is 75 Borrower has 46.49 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120949 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-04-20 11:06 | 2026-04-23 12:58 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Per CD and PCCD - Closing Date is XXXX - matching Notary Date - Due Diligence Vendor-04/23/2026 Open-Security Instrument Date is greater than the transaction date XXXX Notary date of XXXX is prior to the closing date of XXXX. - Due Diligence Vendor-04/20/2026 |
Resolved-Per CD and PCCD - Closing Date is XXXX - matching Notary Date - Due Diligence Vendor-04/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4350120949 | XXXX | XXXX | C | B | C | A | B | B | A | A | Closed | XXXX | 2026-04-20 14:55 | 2026-04-20 14:55 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4350120951 | XXXX | XXXX | C | A | C | A | A | A | A | A | Closed | XXXX | 2026-04-24 20:35 | 2026-04-29 12:25 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Uploaded. See Hazard Insurance previous - current. - Seller-04/27/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-04/25/2026 |
Ready for Review-Document Uploaded. Uploaded. See Hazard Insurance previous - current. - Seller-04/27/2026 |
Resolved-Received prior policy. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.1 LTV is less than guideline maximum - Required is 75 Borrower has 66.34 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 723 |
Hazard Insurance - previous to current.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4350120950 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | XXXX | |||||||||||||||||
| XXXX | 4350120947 | XXXX | XXXX | A | A | A | A | A | A | A | A | XXXX | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXX |