|
Loan Number
|
Seller Loan Number
|
Originator
|
Last Name
|
Note Date
|
Original Balance
|
State
|
TPR QM ATR Status
|
Loan Status
|
Exception Date
|
Remediation Status
|
Exception ID
|
Exception Type
|
Exception Category
|
Exceptions
|
Exception Rebuttal
|
Exception Rebuttal Date
|
Exception Rebuttal Response
|
Exception Rebuttal Response Date
|
Compensating Factors
|
Initial Overall Loan Grade
|
Final Overall Loan Grade
|
Initial Exception Grade
|
Final Exception Grade
|
Initial Credit Grade
|
Final Credit Grade
|
Initial Property Valuation Grade
|
Final Property Valuation Grade
|
Initial Compliance Grade
|
Final Compliance Grade
|
Initial Overall Grade (DBRS/Morningstar)
|
Initial Credit Grade (DBRS/Morningstar)
|
Initial Property Valuation Grade (DBRS/Morningstar)
|
Initial Compliance Grade (DBRS/Morningstar)
|
Initial Overall Grade (Fitch)
|
Initial Credit Grade (Fitch)
|
Initial Property Valuation Grade (Fitch)
|
Initial Compliance Grade (Fitch)
|
Initial Overall Grade (Kroll)
|
Initial Credit Grade (Kroll)
|
Initial Property Valuation Grade (Kroll)
|
Initial Compliance Grade (Kroll)
|
Initial Overall Grade (Moodys)
|
Initial Credit Grade (Moodys)
|
Initial Property Valuation Grade (Moodys)
|
Initial Compliance Grade (Moodys)
|
Initial Overall Grade (S&P)
|
Initial Credit Grade (S&P)
|
Initial Property Valuation Grade (S&P)
|
Initial Compliance Grade (S&P)
|
Final Overall Grade (DBRS/Morningstar)
|
Final Credit Grade (DBRS/Morningstar)
|
Final Property Grade (DBRS/Morningstar)
|
Final Compliance Grade (DBRS/Morningstar)
|
Final Overall Grade (Fitch)
|
Final Credit Grade (Fitch)
|
Final Property Grade (Fitch)
|
Final Compliance Grade (Fitch)
|
Final Overall Grade (Kroll)
|
Final Credit Grade (Kroll)
|
Final Property Grade (Kroll)
|
Final Compliance Grade (Kroll)
|
Final Overall Grade (Moodys)
|
Final Credit Grade (Moodys)
|
Final Property Grade (Moodys)
|
Final Compliance Grade (Moodys)
|
Final Overall Grade (S&P)
|
Final Credit Grade (S&P)
|
Final Property Grade (S&P)
|
Final Compliance Grade (S&P)
|
|
409044066
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
01/21/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
||
|
409044066
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/19/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
01/21/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
||
|
409044066
|
XXXXX
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
01/19/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
01/21/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409041901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/10/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide Title Commitment or Policy reflecting coverage equal to XXX.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
02/12/2026
|
Acknowledged as 2/B grading per client request
|
02/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 65.8% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.8% is less than Guideline CLTV of 89.99%
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409041901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
02/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 65.8% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.8% is less than Guideline CLTV of 89.99%
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409041901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
02/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 65.8% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 65.8% is less than Guideline CLTV of 89.99%
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409042951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
02/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409042951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
02/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409042951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
02/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.52% is less than Guideline
CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.52% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409043341
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/05/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the revised LE dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX days prior
to the consummation date XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of the revised LE at least XXX days prior to closing.
|
Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
|
03/09/2026
|
Received receipt date of LE - exception resolved; Received receipt date of LE - exception resolved
|
03/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409043341
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/05/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days of the consummation date is required, but missing from the file.
|
Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
03/09/2026
|
Acknowledged as 2/B grading per client request
|
03/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%
|
C
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409043341
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
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B
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A
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A
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B
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|||
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409043341
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
03/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99%
|
C
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B
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A
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B
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B
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A
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B
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B
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A
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B
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|||
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409049454
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/17/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
|
03/20/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
03/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline
CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
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A
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A
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A
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409049454
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline
CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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A
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A
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A
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A
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409049454
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
03/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.45% is less than Guideline
CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.45% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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A
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A
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A
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A
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A
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A
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409049601
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/24/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check or a valid COC. The Lender Credits decreased from XXX on the initial CD dated
XX/XX/XXXX, to XXX on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges
that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see
the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the
consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see attached
|
03/31/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
04/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.46% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 89.99%
|
C
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B
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C
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B
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A
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A
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A
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A
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B
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B
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B
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409049601
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.46% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 89.99%
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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B
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A
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B
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B
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409049601
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
03/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.46% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 52.46% is less than Guideline LTV of 89.99%
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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A
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A
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C
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C
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A
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C
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A
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A
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C
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409049475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
03/31/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
03/31/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/31/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049500
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 49.25% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049500
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 49.25% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049500
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.25% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 49.25% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409049509
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/31/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
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A
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A
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409049509
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
03/31/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
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A
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A
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409049509
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
03/31/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
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A
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A
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A
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409049600
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX. COC in file dated XX/XX/XXXX shows change in Lender credit to XXX but CD XX/XX/XXXX is not within XXX days of the COC.
|
Document Uploaded. Please see the cure redisclosure pkg attached; Please review the CIC form on pg XXX that confirms the change in lender credits was the result
of the XXX change
|
04/07/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; COC in file dated
XX/XX/XXXX shows change in Lender credit to XXX but CD XX/XX/XXXX is not within XXX days of the COC.
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
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A
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A
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A
|
C
|
B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
|
C
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049600
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
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A
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A
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A
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A
|
C
|
B
|
C
|
A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
|
C
|
C
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A
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A
|
C
|
C
|
A
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A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049600
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
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A
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A
|
C
|
B
|
C
|
A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
|
A
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A
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C
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 63.39% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 63.39% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409049554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.39% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 63.39% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049558
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049558
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049558
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.01% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 68.01% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049562
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049562
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX
years on job.
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409049562
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/31/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 43.61% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.61% is less than Guideline LTV of 65% | Borrower has stable job time - Borrower has XXX
years on job.
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409049455
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
75% is less than Guideline LTV of 89.99%
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409049455
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
75% is less than Guideline LTV of 89.99%
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409049455
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
75% is less than Guideline LTV of 89.99%
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409049457
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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409049457
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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409049457
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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|
409049459
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Provide HOI premium and tax bill for property located at XXX XXX to verify combined monthly obligation does not exceed XXX Property and valuations related
findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
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|||
|
409049459
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
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|||
|
409049459
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
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|||
|
409049461
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.49% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 67.49% is less than Guideline CLTV of 80%
|
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A
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|||
|
409049461
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.49% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 67.49% is less than Guideline CLTV of 80%
|
A
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A
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|||
|
409049461
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.49% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of 67.49% is less than Guideline CLTV of 80%
|
A
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A
|
|||
|
409049605
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
|
|||
|
409049605
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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A
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409049605
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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409049463
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
FYI - the website FYI is the date/time borrower acknowledged, and the outstanding status is the date/time the le was disclosed/created. ; Document Uploaded.
Please see the attached LE verification.
|
04/08/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
04/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
409049463
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049463
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049464
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Acknowledged
|
FCOM1621
|
Compliance
|
Missing Initial Escrow Disclosure
|
Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure.
|
Unable to Resolve-Seller acknowledges exception, no change in grading
|
04/09/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
B
|
B
|
A
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A
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A
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A
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B
|
B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
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A
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A
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B
|
B
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A
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A
|
B
|
B
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A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049464
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
B
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A
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A
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B
|
B
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A
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A
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B
|
B
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A
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A
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B
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B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049464
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
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A
|
B
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B
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A
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A
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B
|
B
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A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
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B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
|||
|
409049467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049468
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049468
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049468
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049469
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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409049469
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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409049469
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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409049470
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049470
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049470
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049471
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049471
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049471
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049480
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of XXX : cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the addition of
discount points and increase of transfer taxes from XXX to $XXX.. A lender credit of XXX was provided at consummation; however insufficient to cure.
|
Document Uploaded. Please see attached, CIC dated. ; The initial rate lock expired when the borrower was unable to qualify on his own. A second borrower had to
be added and the discount points reflect both the expiration of the rate lock and the addition of a co-borrower. Both are Valid CICs.
|
04/09/2026
|
Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed
the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot
Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i).; The date of the COC was no provided and the file is missing the initial CD, provide both to resolve; ;
|
04/10/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.96% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years
on job.
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409049480
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required: Provide the Initial CD issued within XXX days prior to consummation and evidence of delivery. Additional testing will be completed once the Initial CD delivery date is provided.
|
Document Uploaded. Please see attached, initial CD as requested.
|
04/09/2026
|
Initial CD provided; exception resolved ; Initial CD provided; exception resolved
|
04/10/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.96% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
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|
409049480
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.96% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
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|||
|
409049480
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.96% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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A
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|||
|
409049483
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for lender credits that decreased from XXX to $XXX. COC provided does not provide sufficient detail as to why lender credits failed. Lender credits increased to
XXX with the XX/XX/XXXX CD. Without evidence of receipt, it is assumed that the disclosure was mailed and not received by the consumer prior to consummation. Cure requires evidence of borrower receipt of XX/XX/XXXX CD.
|
Document Uploaded. Please see additional information around the CIC. The re-disclosure history form confirms there were YSP decreases on XX/XX/XXXX and
XX/XX/XXXX. These were caused by increases in DTI on XX/XX/XXXX and XX/XX/XXXX.
|
04/10/2026
|
Valid COC received - exception resolved; Valid COC received - exception resolved
|
04/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.92% is less than Guideline CLTV
of 89.99%
|
C
|
A
|
C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
409049483
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.92% is less than Guideline CLTV
of 89.99%
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049483
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.92% is less than Guideline CLTV
of 89.99%
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049486
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049486
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409049486
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049488
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing Missing Title Commitment file contains Preliminary Report Approval
|
Document Uploaded. Please see the attached title commitment.
|
04/08/2026
|
Title Document is fully Present
|
04/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.92% is less than Guideline CLTV
of 89.99%
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049488
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.92% is less than Guideline CLTV
of 89.99%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049488
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.92% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.92% is less than Guideline CLTV
of 89.99%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of
80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of
80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.44% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.44% is less than Guideline CLTV of
80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049597
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049597
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049597
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049499
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 48.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.01% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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409049499
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
04/07/2026
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Resolved
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FCOM8997
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Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 48.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.01% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
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409049499
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
04/08/2026
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Resolved
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FCRE8999
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Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
04/08/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 48.01% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.01% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
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409049502
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
04/07/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
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409049502
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
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FPRO8998
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Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
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409049502
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%
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409049515
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for lenders title
policy, from XXX to XXX for points-loan discount and from XXX to XXX for the transfer taxes on the Initial CD dated XX/XX/XXXX. The changes occurred without a valid COC. Providing a valid reason for the changes may cure the violations.
|
Document Uploaded. Attached an internal screenshot confirming the increase in XXX on XX/XX/XXXX. ; There is no CIC history form to document that increase. The
increase in XXX is documented with the Initial CD. ; The CIC is the increase in XXX from XXX on the last LE to XXX on the initial CD. ; Please see the redisclosure history form on page XX/XX/XXXX for the valid CIC's for all of the increases
mentioned.
|
04/27/2026
|
valid COC provided, exception resolved; Please provide the CIC history for the XXX change for the loan increase on the initial CD dated XX/XX/XXXX. CIC history
in file ends with the changes documented on XX/XX/XXXX.; The COC in file has a change date of XX/XX/XXXX, however fees increased again on the initial CD dated XX/XX/XXXX, there is no COC in file for that change
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.32% is less than Guideline LTV of 89.99%
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409049515
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.32% is less than Guideline LTV of 89.99%
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409049515
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.32% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.32% is less than Guideline LTV of 89.99%
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409049518
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee added to CD XX/XX/XXXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that
exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the attached change in circumstance as a CDA was required per product guidelines.
|
04/09/2026
|
Valid COC provided; exception resolved
|
04/10/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 78.64% is less than Guideline CLTV of 89.99%
|
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409049518
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 78.64% is less than Guideline CLTV of 89.99%
|
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409049518
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 78.64% is less than Guideline CLTV of 89.99%
|
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A
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|||
|
409049524
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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|||
|
409049524
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
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04/08/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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409049524
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
04/08/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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409049526
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
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Resolved
|
FCRE1186
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Credit
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Audited DTI Exceeds AUS DTI
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Audited DTI of XXX% exceeds AUS DTI of XXX% Borrowers was qualified at $XXX. Borrower previous year W2 total wages at the same company were XXX or XXX a month.
The borrowers XXX W2 from the same company total wages were XXX or XXX a month. Using a YTD average and previous years W2 monthly income of XXX was used. Further income documentation is required to verify the lenders XXX a month calculation.
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Document Uploaded. Please see the attached updated 1003, XXX and AUS.
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04/09/2026
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Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
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04/10/2026
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Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.44% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 36.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
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409049526
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.44% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 36.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
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409049526
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.44% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 36.44% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
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409049607
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50.84% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.84% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049607
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50.84% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.84% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049607
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 50.84% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.84% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049533
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.57% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049533
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.57% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049533
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.57% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.57% is less than Guideline
CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049603
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.68% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 64.68% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049603
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.68% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 64.68% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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409049603
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.68% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 64.68% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049535
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Acknowledged
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. The LE issued XX/XX/XXXX receipt date of XX/XX/XXXX is less than XXX business days prior to consummation dated XX/XX/XXXX.
|
Unable to Resolve-Seller accepts; no change to grading. ; Document Uploaded. Please see the attached le verification. The website fyi confirms the date/time the
borrower received the LE, and the outstanding status is the date/time the document was created/disclosed.
|
04/21/2026
|
Confirmed : Unable to Resolve-Seller accepts; no change to grading.; Revised LE receipt date of XX/XX/XXXX was not provided at least XXX days prior to
consummation
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
C
|
C
|
C
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A
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A
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A
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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|
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409049535
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
C
|
A
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A
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A
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A
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A
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
|||
|
409049535
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
C
|
A
|
A
|
A
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A
|
A
|
A
|
C
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
|
A
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C
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C
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A
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A
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C
|
C
|
A
|
A
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C
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C
|
A
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A
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C
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C
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A
|
A
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C
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C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
|||
|
409049537
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be
aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
|
04/09/2026
|
Revised LE receipt date provided; exception resolved ; Revised LE receipt date provided; exception resolved
|
04/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
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A
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A
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C
|
A
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C
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A
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A
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C
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C
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A
|
A
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C
|
C
|
A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049537
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049537
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
|
A
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C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049541
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/09/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049541
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049541
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049546
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.31% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049546
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.31% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049546
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.31% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.31% is less than Guideline CLTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.53% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 58.53% is less than Guideline CLTV of 89.99%
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409049547
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.53% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 58.53% is less than Guideline CLTV of 89.99%
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409049547
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.53% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 58.53% is less than Guideline CLTV of 89.99%
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409049550
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.52% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 89.99%
|
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409049550
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.52% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 89.99%
|
A
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409049550
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.52% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.52% is less than Guideline LTV of 89.99%
|
A
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|
409049552
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.11% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.11% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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409049552
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.11% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.11% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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|||
|
409049552
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75.11% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75.11% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049561
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV
of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049561
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV
of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409049561
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV
of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
409049568
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% All other payment in AUS shows XXX compared to the XXX shows $XXX. DU did not include borrowers student loans into
DTI calculation. Student loans from XXX calculated using XXX% of the balance. DTI matches XXX calculation.
|
Document Uploaded. Please see the post close AUS findings attached; Document Uploaded. Please see the corrected 1003 attached adding the student loan payment to
match the XXX Thank you
|
04/28/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; An updated AUS with DTI of XXX% is what is required to include the student loan debt and to match
the XXX's DTI. Please provide.
|
04/29/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.54% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.54% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049568
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/20/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provided Title Supplement with loan policy amount of XXX
|
Unable to Resolve-Seller acknowledges exception, no change in grading
|
04/21/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.54% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.54% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049568
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file, page XXX of file shows ICD sent on XX/XX/XXXX. The earliest CD in the file is dated XX/XX/XXXX and signed at
consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Please see the XX/XX/XXXX CD attached
|
04/20/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.54% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.54% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049568
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing Title document is missing in file. Updated Chain of title as Yes since already raising condition for Title missing and the Vested XXX
signature updated as No.
|
Document Uploaded. please see attached
|
04/19/2026
|
Title Document is fully Present
|
04/20/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.54% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.54% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049568
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.54% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.54% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409049572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Rescinded
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This loan
failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total
tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in
good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Invalid exception, fired in error - rescinded Invalid exception, fired in error - rescinded
|
04/10/2026
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||
|
409049572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file, page XXX shows ICD sent XX/XX/XXXX. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The
violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Document Uploaded. Please see attached, Initial CD as requested.
|
04/09/2026
|
Initial CD received - exception resolved; Initial CD received - exception resolved
|
04/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 89.99%
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 89.99%
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049572
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 89.99%
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049573
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049573
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049573
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.96% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.96% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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409049587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.79% is less than Guideline LTV of 80%
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409049587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.79% is less than Guideline LTV of 80%
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409049587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65.79% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.79% is less than Guideline LTV of 80%
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409049450
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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409049450
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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409049450
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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409049451
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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409049451
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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|||
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409049451
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
|
409049452
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore received after the initial CD XX/XX/XXXX.
The defect can be cured by providing evidence showing the consumer received the loan estimate prior to the initial CD dated XX/XX/XXXX.
|
Document Uploaded. Please see the attached Loan Estimate verification.
|
04/14/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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A
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|
409049452
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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C
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C
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A
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A
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C
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C
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C
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C
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A
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C
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A
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|||
|
409049452
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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C
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A
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|||
|
409051310
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Acknowledged
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX. The violation can be cured by providing the initial CD as well as
evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX
|
Unable to Resolve-seller accepts; no change to grading. Investor agreed to XXX with issue.
|
05/14/2026
|
Unable to resolve/acknowledged per prior comments; Confirmed : Unable to Resolve-seller accepts; no change to grading. Investor agreed to XXX with issue.
|
05/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 77.19% is less than Guideline CLTV of 89.99%
|
C
|
C
|
C
|
C
|
A
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A
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A
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
|
|
409051310
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
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Resolved
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finding-3634
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Compliance
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Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX due to increase from XXX to XXX for Transfer Taxes on
LE XX/XX/XXXX. The COC dated XX/XX/XXXX wasn't accepted because of the LE delivery timing fail. Providing evidence when the LE was received may clear the exception.
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Document Uploaded. Please see the attached loan estimate verification showing the document was delivered on XX/XX/XXXX, and viewed by the co-borrower on
XX/XX/XXXX. COC dated XX/XX/XXXX is acceptable because of this.
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05/14/2026
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LE receipt date provided, COC accepted - exception resolved
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05/15/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 77.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 77.19% is less than Guideline CLTV of 89.99%
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409051310
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
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Resolved
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finding-3526
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Compliance
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Revised Loan Estimate Delivery Date Test (prior to consummation)
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This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX and XX/XX/XXXX were mailed, and therefore not received by the consumer
XXX business days prior to the consummation date, XX/XX/XXXX The defect can be cured by providing evidence showing the consumer received the disclosures at least XXX business days prior to consummation
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Document Uploaded. Please see attached
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04/23/2026
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Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
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04/24/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 77.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 77.19% is less than Guideline CLTV of 89.99%
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409051310
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 77.19% is less than Guideline CLTV of 89.99%
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409051310
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 77.19% is less than Guideline CLTV of 89.99%
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409049456
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
67.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.7% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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409049456
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
67.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.7% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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409049456
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of
67.7% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.7% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX
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409049462
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM1263
|
Compliance
|
Right of Rescission is Partially Provided
|
Right of Rescission is Partially Provided Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.
(Missing for XXX XXXXX)
|
Document Uploaded. Please see attached ROR for XXX and XXX
|
04/14/2026
|
Right of Rescission is Provided
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 19.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 19.33% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049462
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 19.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 19.33% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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409049462
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 19.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 19.33% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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409049465
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|||
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409049465
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
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409049465
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
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409049466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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409049466
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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409049466
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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409049478
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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409049478
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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409049478
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
409049479
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Acknowledged
|
FCOM1266
|
Compliance
|
Homeownership Counseling Disclosure Is Missing
|
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the
consumer within XXX-business days of application, XX/XX/XXXX.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
B
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B
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B
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
B
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A
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A
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B
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B
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A
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A
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B
|
B
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A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049479
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be
aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
|
04/15/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
04/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
B
|
C
|
A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
B
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A
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A
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B
|
B
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A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049485
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 42.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.21% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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|||
|
409049485
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 42.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.21% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049485
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 42.21% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.21% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049487
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original
LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049487
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original
LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409049487
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original
LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 90%
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409049490
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1364
|
Credit
|
Borrower 2 Executed 4506-T Missing
|
Borrower 2 Executed 4506-T Missing Missing for B2
|
Document Uploaded. Please see the attached signed XXX
|
04/14/2026
|
Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX)
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.09%
is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409049490
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.09%
is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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D
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D
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D
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D
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D
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D
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A
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D
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D
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A
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D
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D
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A
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|||
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409049490
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.09% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.09%
is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409049495
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409049495
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409049495
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.53% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.53% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049504
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049504
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049504
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
409049510
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV
of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049510
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV
of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049510
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV
of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049512
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
|
Document Uploaded. Please see attached confirming replacement cost.
|
04/15/2026
|
Received a copy of the checklist of coverage confirmation replacement cost is included. ; The Total Hazard Coverage is greater than or equal to the Required
Coverage Amount; Please provide an RCE or additional dwelling coverage for XXX of $XXX.
|
04/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049512
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy. Checklist was provided but we are missing the declarations page to confirm coverage dates and other pertinent information.
|
Document Uploaded. Please see attached HOI.
|
04/14/2026
|
Hazard Insurance Policy is fully present; Missing Hazard Insurance Policy
|
04/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049512
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049512
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049516
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Seller acknowledges exception, no change to grading.
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.51% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.51% is less than Guideline LTV of 89.99%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049516
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.51% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.51% is less than Guideline LTV of 89.99%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049516
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.51% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.51% is less than Guideline LTV of 89.99%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049517
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049517
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing
|
Document Uploaded. Please see attached prelim title policy, please note final title policy is a trailing document.
|
04/14/2026
|
Title Document is fully Present
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049517
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
Please be advised borrower has a full HO3 policy that covers the structure. A master condo insurance policy is not required.
|
04/14/2026
|
HO-6 Master Insurance Policy is fully present
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049517
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409049517
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/13/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Confirming XXX% DTI using validated income of XXX and including TI iao XXX for spousal owned REO property causing a
Net Negative Rental income of XXX not included in loan approval calculations.
|
Document Uploaded. Please be advised that all non-subject properties have taxes and insurance escrowed through the affiliated mortgage and all properties were
appropriately calculated.
|
04/15/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1193
|
Credit
|
Audited DTI Exceeds Guideline DTI
|
Audited DTI of XXX% exceeds Guideline DTI of XXX% Confirming XXX% DTI using validated income of XXX and including XXX XXX for spousal owned REO property causing
a Net Negative Rental income of XXX not included in loan approval calculations.
|
Please be advised that all non-subject properties have taxes and insurance escrowed through the affiliated mortgage and all properties were appropriately
calculated.
|
04/15/2026
|
Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX score Not Eligible XXX score XXX appraisal is missing from the file
|
Third party valuation product provided within tolerance.;
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary Partially Provided
|
Approval/Underwriting Summary Partially Provided. XXX in file is Partial reflecting an "Other Income" amount of XXX used for loan approval at XXX% DTI and omits
a final Net Negative REO Rental amount of XXX generating a final XXX% DTI.
|
Please be advised that all non-subject properties have taxes and insurance escrowed through the affiliated mortgage and all properties were appropriately
calculated.
|
04/15/2026
|
Approval/Underwriting Summary is fully present
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
B
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing.
|
Please see the attached appraisal.
|
04/15/2026
|
Appraisal is Present or is Waived
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Confirming XXX% DTI using validated income of XXX and including XXX XXX for spousal owned REO property causing a Net
Negative Rental income of XXX not included in loan approval calculations.
|
Please be advised that all non-subject properties have taxes and insurance escrowed through the affiliated mortgage and all properties were appropriately
calculated.
|
04/15/2026
|
Income and Employment Meet Guidelines
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049520
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.76% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.76% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049521
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.22% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 63.22% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049521
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.22% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 63.22% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049521
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.22% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 63.22% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049527
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1964
|
Credit
|
Missing income documentation
|
Missing XXX K1 for XXX- unable to validate income.
|
The borrower owns a corporation, therefore they do not issue K-XXX's for owners. Review XXX-E for ownership percentages, and use W-2 to validate W-2 income from
the business.
|
04/15/2026
|
Confirmed - the documentation located within the loan image is deemed sufficient. Resolved.
|
04/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 52.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049527
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 52.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049527
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 52.32% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.32% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049530
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049530
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049530
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049531
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.94% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.94% is less than Guideline CLTV of 89.99%
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409049531
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.94% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.94% is less than Guideline CLTV of 89.99%
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409049531
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.94% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.94% is less than Guideline CLTV of 89.99%
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409049532
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 61.84% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409049532
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 61.84% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409049532
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 61.84% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 61.84% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409049596
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.15% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60.15% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049596
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.15% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60.15% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049596
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.15% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 60.15% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO
is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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409049534
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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409049534
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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409049534
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|
409049538
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Document Uploaded. Please see the attached screenshot confirming the LE was acknowledged online on XX/XX/XXXX.
|
04/15/2026
|
Revised LE receipt date provided; exception resolved
|
04/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409049538
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049538
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409049539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.23% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.23% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
|||
|
409049542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.92% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 56.92% is less than Guideline CLTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409049542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.92% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 56.92% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.92% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of 56.92% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049544
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99%
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049544
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049544
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049548
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049548
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049548
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049549
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to increase from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX for the appraisal review fee. This loan failed the charges that cannot increase test. (12 CFR
§1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance
Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the
consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see uploaded documents. PCCD and Check delivered to borrower to cure.
|
04/16/2026
|
Cure package provided to the borrower; Exception downgraded to a 2/B; Cure package provided to the borrower; Exception downgraded to a 2/B
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
B
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C
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B
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A
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A
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A
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A
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C
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B
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A
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409049549
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX to $XXX. The COC in the loan file is not dated within XXX days of redisclosure.
|
Please see page XXX of the loan file. The true amount of the lender credits was higher than the CD shows. Our CD does not allow us to show lender credits applied
to county taxes. The CD addendum confirms the true amount of the lender credits.
|
04/15/2026
|
Itemization of the lender credit provided and verified all applicable lender paid fees and no violation was evident. Exception resolved.; Itemization of the
lender credit provided and verified all applicable lender paid fees and no violation was evident. Exception resolved.
|
04/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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B
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C
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409049549
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Confirmed : Seller acknowledges exception, no change to grading.;
|
04/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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B
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B
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B
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409049549
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
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409049549
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409049551
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409049551
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409049551
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049556
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.22% is less than Guideline LTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049556
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.22% is less than Guideline LTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049556
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.22% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |
Original LTV is Below the Guideline Maximum - Calculated LTV of 64.22% is less than Guideline LTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049557
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be
aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
|
04/15/2026
|
Received LE receipt date - exception resolved; Received LE receipt date - exception resolved
|
04/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 73.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.19% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
A
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A
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A
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A
|
C
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A
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C
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A
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A
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C
|
C
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A
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A
|
C
|
C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409049557
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 73.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.19% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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409049557
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 73.19% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.19% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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409049564
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049564
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049564
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.45% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409049570
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
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409049570
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
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409049570
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 77.64% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.64% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has
XXX years on job.
|
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409049575
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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|
409049575
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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|||
|
409049575
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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|||
|
409049576
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99%
|
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A
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A
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A
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|||
|
409049576
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99%
|
A
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A
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A
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|||
|
409049576
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 79.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.98% is less than Guideline CLTV of 89.99%
|
A
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A
|
|||
|
409049579
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE1180
|
Credit
|
HO-6 Insurance Policy is Missing
|
HO-6 Insurance Policy is Missing
|
This was an incorrect entry as this amount directly aligns with the yearly premium for XXX XXX.; The condo policy provided is the master hazard insurance policy
for the subject. Please review the legal description which States the subject is unit XXX of XXX-XXX, and the master policies are not required to list all the units. Also the policy States is covers a condo building with up to XXX units.
Please clear this condition as it is invalid. ; Document Uploaded. Please see the attached condo master policy.
|
04/17/2026
|
HO-6 Insurance Policy is fully present; Please clarify if there is a separate HO6 policy with a XXX monthly premium as reflected on the AUS and XXX as there's no
HO6 policy included in the loan file. The Master Condo Insurance policy included in the loan file does not show any Liability coverage, only shows coverage for Windstorm/Hail, and the Building coverage amount of XXX is less than the subject's
XXX of $XXX.; The HOI document attached is for Windstorm/Hail Only for XXX XXX which is not the subject property. Please provide the Master Condo insurance for the subject property or a separate HO6 policy for the subject property with
sufficient coverage for all perils and to cover the XXX of $XXX.
|
04/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
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A
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A
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A
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D
|
D
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409049579
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/20/2026
|
Resolved
|
FCRE1174
|
Credit
|
HO6 Master Insurance Policy is Partial
|
HO-6 Master Insurance Policy Partially Provided
|
Document Uploaded. Please see the attached condo policy.
|
04/24/2026
|
HO-6 Master Insurance Policy is fully present; The Master Condo Insurance policy included in the loan file does not show any Liability coverage, only shows
coverage for Windstorm/Hail, and the Building coverage amount of XXX is less than the subject's XXX of XXX Please advise.
|
04/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
409049579
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409049579
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 67.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 67.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
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A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
|
A
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A
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D
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D
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A
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A
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D
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409049580
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 38.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 38.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049580
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 38.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 38.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049580
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 38.98% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 38.98% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049581
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049581
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049581
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Document Uploaded. Please see the attached screenshot from the LOS confirming the XX/XX/XXXX LE was acknowledged on XX/XX/XXXX.
|
04/15/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
04/16/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.89% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.89% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal
Fee on the LE dated XX/XX/XXXX. Because the loan failed the Revised Loan Estimate Delivery Date Test (prior to consummation) due to missing the disclosure receipt date, any values that would be under a valid COC, if the disclosure had been
provided, will not be considered valid for tolerance purposes. The violation may be cured if missing disclosure(s) date is provided. Additional testing will be completed once the date is provided.
|
This is also clearly documented on the Redisclosure form.; Document Uploaded. Per the attached LOS screenshot, the appraiser requested a fee increase due to
complexity.
|
04/15/2026
|
Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved
|
04/16/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.89% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.89% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the
appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
04/15/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.89% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.89% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.89% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.89% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 47.89% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 47.89% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049599
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049599
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049599
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051386
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051386
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051386
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049588
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.87% is less than Guideline LTV
of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049588
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.87% is less than Guideline LTV
of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049588
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.87% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.87% is less than Guideline LTV
of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049590
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Rescinded
|
FCOM1266
|
Compliance
|
Homeownership Counseling Disclosure Is Missing
|
Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the
consumer within XXX-business days of application, XX/XX/XXXX.
|
Please see page XXX of the loan file The Housing Counselors near you document meets the requirement of the Homeownership counseling disclosure. Pages XXX and XXX
confirm the document was delivered within required timelines.
|
04/15/2026
|
Document in file; exception resolved; Homeownership Counseling Disclosure Is Present or Not Applicable
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409049590
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70.44% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70.44% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049590
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 70.44% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 70.44% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX
is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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409049591
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FCRE8999
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Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.47% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.47% is less than Guideline CLTV of 89.99%
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409049591
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.47% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.47% is less than Guideline CLTV of 89.99%
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409049591
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.47% is less than Guideline LTV of 89.99%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.47% is less than Guideline CLTV of 89.99%
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409049476
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE1295
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Credit
|
Income 4 Months Income Verified is Missing
|
Income 4 Months Income Verified is Missing W2 wages Lennox International Inc missing previous year XXX W2 and required per guidelines.
|
Paystub is on pg XXX-XXX ; Please escalate for this to be cleared as the paystub for B1 with XXX, with stub date of XX/XX/XXXX and pay date of XX/XX/XXXX was
used in lieu of the W2
|
04/22/2026
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Income 4 Months Income Verified is Present Or Not Applicable
|
04/23/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
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409049476
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to addition of the appraisal review fee on the
CD dated XX/XX/XXXX without valid COC. Fee was noted as Lender-paid on the CD dated XX/XX/XXXX then changed to Borrower-paid on the CD dated XX/XX/XXXX.
|
Document Uploaded. Please see attached CIC for the addition of the XXX appraisal review fee. The CU score was over XX/XX/XXXX which means a CDA was needed. The
attached is a screen shot from our internal underwriting system showing the CIC and confirming the CIC occurred on XX/XX/XXXX meeting TRID Regulation as it was within XXX days of XX/XX/XXXX when the SSR was dated. Please review to clear this
condition.
|
04/20/2026
|
Valid COC provided; exception resolved; Valid COC provided; exception resolved
|
04/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
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409049476
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
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409049481
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409049481
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|||
|
409049481
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
|
409049491
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Transfer Taxes
on the CD dated XX/XX/XXXX. COC in the file does not provide enough information for the reason for the increase.
|
Document Uploaded. Per the attached CIC documentation, the transfer taxes increased when the XXX increased per the borrowers request on XX/XX/XXXX. The increases
were then disclosed on XX/XX/XXXX.
|
04/20/2026
|
Valid COC provided; exception resolved ; Valid COC provided; exception resolved
|
04/21/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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409049491
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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C
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C
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A
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A
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|||
|
409049491
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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C
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C
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A
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A
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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|||
|
409049493
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049493
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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409049493
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409049503
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to the addition of the Appraisal Review Fee in the amount of XXX on the revised CD dated XX/XX/XXXX. The Initial submission date on UCDP shows XX/XX/XXXX which is not within XXX days of the
increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the
comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see uploaded document. Cure packet with PCCD.
|
04/21/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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B
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C
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B
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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C
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
|
B
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|
|
409049503
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
|
A
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A
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B
|
|||
|
409049503
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
|
A
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A
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B
|
B
|
A
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A
|
B
|
|||
|
409049514
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.59% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.59% is less than Guideline
CLTV of 89.99%
|
A
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A
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A
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A
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A
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A
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|||
|
409049514
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.59% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.59% is less than Guideline
CLTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049514
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 60.59% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.59% is less than Guideline
CLTV of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049519
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409049519
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049519
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049523
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
409049523
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409049523
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409049525
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409049525
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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A
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A
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409049525
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
A
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409049528
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX to XXX on the final CD XX/XX/XXXX.
|
Document Uploaded. Please see the attached cure package.
|
04/21/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline
LTV of 89.99%
|
C
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B
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B
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B
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A
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B
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B
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409049528
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline
LTV of 89.99%
|
C
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B
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A
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A
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B
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B
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B
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409049528
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.28% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.28% is less than Guideline
LTV of 89.99%
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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B
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A
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A
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B
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B
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409049529
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% AUS did not include REO monthly payment of XXX in the analysis. DTI should be XXX as confirmed on the final XXX US
has to be reran
|
Document Uploaded. Please see the AUS findings ran prior to closing on XX/XX/XXXX attached with DTI of XXX%
|
04/20/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
04/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
|
C
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A
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C
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A
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C
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C
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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|
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409049529
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. AUS did not include REO monthly payment of XXX in the analysis. DTI should be XXX as
confirmed on the final XXX US has to be reran
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049529
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049543
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal
Fee on the CD dated XX/XX/XXXX. File does not contain a valid COC.
|
Document Uploaded. Please see the attached appraisal order documentation confirming the increase occurred as a result of the appraisers trip fee.
|
04/20/2026
|
Valid COC provided; exception resolved ; Valid COC provided; exception resolved
|
04/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.82% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 54.82% is less than Guideline LTV of 89.99%
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
409049543
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.82% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 54.82% is less than Guideline LTV of 89.99%
|
C
|
A
|
A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049543
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.82% is less than Guideline CLTV of 89.99% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 54.82% is less than Guideline LTV of 89.99%
|
C
|
A
|
A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049545
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 74.59% exceeds AUS CLTV of 74% DU in file ran with incorrect XXX of XXX
|
See attached AUS with the updated balance. Please clear this and all conditions.
|
04/20/2026
|
Audited CLTV of 74.59% is less than or equal to AUS CLTV of 75%; Audited CLTV of 74.59% exceeds AUS CLTV of 74%
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409049545
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 74.59% exceeds AUS HCLTV of 74% DU in file ran with incorrect XXX of XXX
|
See attached AUS with the updated balance. Please clear this and all conditions.
|
04/20/2026
|
Audited HCLTV of 74.59% is less than or equal to AUS HCLTV of 75%; Audited HCLTV of 74.59% exceeds AUS HCLTV of 74%
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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409049545
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 74.59% exceeds AUS CLTV of 74% DU in file ran with incorrect XXX of XXX
|
Document Uploaded. See attached AUS with the updated balance. Please clear this and all conditions.
|
04/20/2026
|
Audited LTV of 74.59% is less than or equal to AUS CLTV of 75%; Audited LTV of 74.59% exceeds AUS CLTV of 74%
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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C
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A
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A
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A
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A
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409049545
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/20/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX%
|
Please see uploaded document. AUS with DTI corrected as requested.; It is included. It's factored into the total of all other payments amount of XXX Please
cancel this exception.
|
04/30/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Per the AUS attached in the Audited LTV Exceeds AUS LTV Exception and the AUS included in the loan
file, the XXX is only for the tradeline account balances listed on the credit report. The negative net REO income of XXX (Audit amount) for XXX XXX is not included in the DTI calculation on the AUS. Please refer to your XXX included in the
loan file to see the Total All Monthly Payments amount of XXX vs the Total Expense Payments of XXX on the AUS attached in the LTV exception and in the loan file. The DTI on your XXX also shows XXX% vs XXX% on the AUS. Please provide a revised
AUS to include this REO's negative net rental income to updated the DTI to XXX%.; Updated AUS provided DTI of XXX% does not include the negative net REO income of XXX (Audit amount) for XXX XXX, this REO is reflected on the 1003 and credit
report, mtg Statement and Sch E are also in the loan file for this REO. Please provide a revised AUS to include this REO's negative net rental income to updated the DTI to XXX%.
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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C
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A
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A
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A
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A
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A
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A
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409049545
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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C
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C
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A
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C
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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|||
|
409049545
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049577
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 62.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049577
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 62.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049577
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 62.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409049586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE1164
|
Credit
|
Flood Insurance Policy Missing
|
Missing Flood Insurance Policy
|
The subject property is a condo and a copy of the master policy was uploaded yesterday. Please review as the master policy contains the required flood coverages
|
04/21/2026
|
Flood Insurance Policy is fully present
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
Document Uploaded. Please see a copy of the master policy attached
|
04/20/2026
|
HO-6 Master Insurance Policy is fully present
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049586
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409049592
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception - Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of closing.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/20/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/20/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409049592
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409049592
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
|||
|
409049594
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 45.96% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.96% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409049594
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 45.96% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.96% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409049594
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 45.96% is less than Guideline CLTV of 75% | Original LTV is Below the Guideline Maximum - Calculated LTV of 45.96% is less than Guideline LTV of 75% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051313
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Per XXX only XXX Mortgage Notes used for income and does not list which ones. Income is not fully documented per
guideline requirements. Lender to provide documentation for all REO properties to confirm income.
|
Document Uploaded. Please see the attached notes for all properties. If this is not what is required, please be very specific about what is needed.
|
05/14/2026
|
Documentation is sufficient. Notes provided. Exception resolved.; Income and Employment Meet Guidelines
|
05/15/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
|
|
409051313
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051313
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051314
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary Partially Provided
|
Approval/Underwriting Summary Partially Provided. XXX in file list the borrowers primary housing payment as XXX and a DTI of XXX%. That is double the lease
amount of XXX Please update XXX to match correct calculations.
|
Document Uploaded. Please see the attached revised XXX with correct housing expense.
|
04/24/2026
|
Approval/Underwriting Summary is fully present; XXX updated - Corrected expense.
|
05/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 79.52% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051314
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 79.52% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051314
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.52% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 79.52% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051315
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051315
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051315
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051332
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 66.06% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051332
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 66.06% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051332
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 66.06% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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A
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A
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|||
|
409051343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE7496
|
Credit
|
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
|
File is missing the settlement Statement for departing property: XXX XXX, XXX, XXX (pending sale)
|
Document Uploaded. Please see the attached final alta for the non subject.
|
04/24/2026
|
Departure residence settlement Statement provided.
|
04/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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D
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A
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D
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A
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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|
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409051343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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|||
|
409051343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051351
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051351
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051351
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051354
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.36% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 48.36% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051354
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.36% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 48.36% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409051354
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.36% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 48.36% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051360
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051360
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051360
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.56% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 63.56% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX
years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051367
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% DTI matches XXX; provide updated AUS.
|
Document Uploaded. Please see attached
|
04/24/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
04/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051367
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051367
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051371
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy The hazard insurance verification policy document for the subject property is missing from the loan file. Please provide.
|
Document Uploaded. Sent a screenshot of page XXX which is completely visible. Exception is invalid. ; Please see page XXX
|
04/28/2026
|
Hazard Insurance Policy is fully present; Insurance document included in the loan file is blank. Lender provided copy of completed insurance document attached.;
; Client States, "Please see page XXX." Page XXX in original file is a property insurance cert however document is completely blank on our end. Countered.
|
04/28/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 74.95% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051371
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 74.95% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051371
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.95% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 74.95% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051374
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051374
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051374
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of
89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051381
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Cured
|
FCOM6529
|
Compliance
|
Final CD: Escrowed Property Costs over Year XXX description is missing or inaccurate
|
Documentation required: Final CD is incomplete as the escrow account details on page XXX indicates no escrow but it does not specify why. Please make an
additional selection whether the borrower declined or the lender does not offer.
|
Document Uploaded. Please see attached PCCD with reason box checked. ; Please see page XXX The document signed by the borrower confirms the escrow was waived
upon the request of the borrower.
|
04/30/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; The non escrowed property costs section is not complete, a reason is required to be checked
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051381
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051381
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051382
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
04/24/2026
|
Acknowledged as 2/B grading per client request
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 65.04% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051382
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 65.04% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051382
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.04% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum -
Calculated LTV of 65.04% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051384
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.45% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum
- Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
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409051384
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.45% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum
- Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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409051384
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.45% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum
- Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.45% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
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409051443
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 53.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.5% is less than Guideline CLTV of 80%
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409051443
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 53.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.5% is less than Guideline CLTV of 80%
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409051443
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 53.5% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.5% is less than Guideline CLTV of 80%
|
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409051389
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.31% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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409051389
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.31% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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409051389
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.31% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.31% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409051401
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% AUS and 1003 and XXX show different income amounts for Borrower 1. AUS showed borrower income plus Bonus. 1003 shows
borrower had a los of XXX and XXX respectfully on k-XXX and XXX's. Additionally, AUS showed monthly neg rent on property located on XXX XXX as XXX but did not factor in tax and haz insurance, total neg rent on this property is XXX per month.
|
Document Uploaded. ; Document Uploaded. please see attached ; Document Uploaded.
|
05/14/2026
|
Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Final 1003 and adjusted XXX received.
Calculated DTI of XXX% exceeds AUS DTI of of XXX%; The adjusted Final 1003 reflects a PITIA of XXX compared to the XXX documented in the file for the REO at XXX XXX, XXX, XXX (calculated as: PI XXX Tax XXX and HOI $XXX). Additionally, the
calculated DTI remains at XXX% versus the AUS DTI of XXX%; therefore, the exception remains.
|
05/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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C
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A
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|
|
409051401
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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C
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A
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C
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C
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C
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C
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C
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C
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C
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A
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C
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C
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A
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A
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A
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A
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A
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|||
|
409051401
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.57% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.57% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.57% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.57% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 77.57% is less than Guideline LTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.57% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409051305
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1187
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Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 56.78% exceeds AUS CLTV of 55% DU Findings Report XXX of XXX is XXX% less than the actual XXX of XXX Per Fannie Mae Selling Guide, DU Tolerances
for XXX Transaction XXX Changes, for XXX transactions, Fannie Mae allows the following tolerances to the XXX: the XXX may increase XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Please see attached, updated AUS as requested.
|
04/29/2026
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Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited LTV of 56.78% is less than or equal to AUS CLTV of 57%
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04/30/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051305
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1189
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Credit
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Audited HCLTV Exceeds AUS HCLTV
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Audited HCLTV of 56.78% exceeds AUS HCLTV of 55% DU Findings Report XXX of XXX is XXX% less than the actual XXX of XXX Per Fannie Mae Selling Guide, DU
Tolerances for XXX Transaction XXX Changes, for XXX transactions, Fannie Mae allows the following tolerances to the XXX: the XXX may increase XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Please see attached, updated AUS as requested.
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04/29/2026
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Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited HCLTV of 56.78% is less than or equal to AUS HCLTV of 57%
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04/30/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051305
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 56.78% exceeds AUS CLTV of 55% DU Findings Report XXX of XXX is XXX% less than the actual XXX of XXX Per XXX Selling Guide, DU Tolerances for XXX
Transaction XXX Changes, for XXX transactions, XXX allows the following tolerances to the XXX: the XXX may increase XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Document Uploaded. Please see attached, updated AUS as requested.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited CLTV of 56.78% is less than or equal to AUS CLTV of 57%
|
04/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051305
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051305
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051322
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Rescinded
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX to $XXX. The loan file does not contain a valid COC for the decrease in Lender Credit.
|
Please see page XXX the re-disclosure history form confirms the CIC for the decrease in lender credits is the change in rate.
|
04/29/2026
|
Valid COC in file; exception resolved; Valid COC in file; exception resolved; This loan failed the lender credits that cannot decrease test. (12 CFR
§1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and
non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith
if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
04/30/2026
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409051322
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 57.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 57.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051322
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 57.33% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 57.33% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051328
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Document Uploaded. Please see the attached screenshot from the LOS confirming the LE was viewed on XX/XX/XXXX.
|
04/29/2026
|
Revised LE receipt date provided - exception resolved; Revised LE receipt date provided - exception resolved
|
04/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.93% is less than Guideline LTV
of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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409051328
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Rescinded
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was
provided prior to closing or provide confirmation that the lender has no affiliates.
|
Attestation on file.
|
04/29/2026
|
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||||
|
409051328
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.93% is less than Guideline LTV
of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
|
C
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A
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A
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A
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|||
|
409051328
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 36.93% is less than Guideline LTV
of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.93% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
|
C
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A
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A
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|||
|
409051334
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.84% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.84% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409051334
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.84% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.84% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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409051334
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.84% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.84% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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409051339
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Rescinded
|
finding-3529
|
Compliance
|
Revised Loan Estimate Delivery Date and Changed Circumstances Date Test
|
This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended
in XXX and 12 CFR §1026.19(e)(4)(i) he revised loan estimate 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 his 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 §XXX(a)(XXX) and as it relates to
§1026.19(e)(4)(i) (revised loan estimate 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:As not being open on
SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations
will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised
estimate for the purpose of determining good faith for the zero tolerance and XXX% 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 §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the
consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
invalid COC removed; exception resolved; invalid COC removed; exception resolved
|
04/29/2026
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||
|
409051339
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051339
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409051340
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% is less than Guideline LTV
of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.9% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409051340
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% is less than Guideline LTV
of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.9% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051340
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.9% is less than Guideline LTV
of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.9% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051342
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided.
|
Document Uploaded. Please see the attached photocopy of the borrowers ID.
|
04/30/2026
|
Photo Identification provided.
|
05/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.12% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.12% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051342
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.12% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.12% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051342
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 79.12% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 79.12% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051349
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was
provided prior to closing or provide confirmation that the lender has no affiliates.
|
We can confirm the lender has no affiliates
|
04/29/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
04/30/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.25% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051349
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/29/2026
|
Acknowledged as 2/B grading per client request
|
04/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.25% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
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B
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B
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A
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A
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A
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A
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B
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
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409051349
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.25% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
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A
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A
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A
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A
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A
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A
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B
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409051349
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.25% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated
CLTV of 54.25% is less than Guideline CLTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
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A
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A
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A
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A
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A
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A
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B
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
409051446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party XXXs 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the
table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of
charges for third-party XXXs 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 XXX percent;(B) The charge for the third-party XXX 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 XXX, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a
PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording fee. The loan file does contain a COC for the Recording fee increase,
however, it States the reason for the increase is for the recording of a quit claim deed. The loan file does not contain evidence that a quit claim is needed.
|
Document Uploaded. Please see the attached confirmation from internal screenshot of vesting change which affected the number of pages.
|
04/29/2026
|
Valid COC provided - exception resolved; Valid COC provided - exception resolved
|
04/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409051446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|||
|
409051446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided. AUS was completed on XX/XX/XXXX; loan closed on XX/XX/XXXX. An updated AUS is required.
|
Document Uploaded. Please see attached, most recent AUS findings as requested.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; AUS is not incomplete.
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
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D
|
A
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A
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A
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A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
|
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 76.28% exceeds AUS CLTV of 75% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see attached, most recent AUS findings as requested.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited LTV of 76.28% is less than or equal to AUS CLTV of 77%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
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A
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A
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A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 76.28% exceeds AUS HCLTV of 75% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see attached, most recent AUS findings as requested.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited HCLTV of 76.28% is less than or equal to AUS HCLTV of 77%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 76.28% exceeds AUS CLTV of 75% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see attached, most recent AUS findings as requested.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited CLTV of 76.28% is less than or equal to AUS CLTV of 77%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051449
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 76.28% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 76.28% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Broker Fee.
There is not a COC in file that provides a valid reason for this fee increase.
|
Document Uploaded. Please see the attached CIC's for a XXX increase which caused the broker compensation to increase and disclosed on XX/XX/XXXX.
|
04/29/2026
|
Valid COC provided - exception resolved; Valid COC provided - exception resolved
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 63.13% exceeds AUS CLTV of 62% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see the attached underwriting findings pulled on XX/XX/XXXX. There are no expiration dates for underwriting findings on this program.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited LTV of 63.13% is less than or equal to AUS CLTV of 64%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
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A
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C
|
A
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D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 63.13% exceeds AUS HCLTV of 62% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see the attached underwriting findings pulled on XX/XX/XXXX. There are no expiration dates for underwriting findings on this program.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited HCLTV of 63.13% is less than or equal to AUS HCLTV of 64%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
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A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 63.13% exceeds AUS CLTV of 62% Audited amount of XXX% matches the XXX An updated AUS is required.
|
Document Uploaded. Please see the attached underwriting findings pulled on XX/XX/XXXX. There are no expiration dates for underwriting findings on this program.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited CLTV of 63.13% is less than or equal to AUS CLTV of 64%
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided. AUS was completed on XX/XX/XXXX; loan closed on XX/XX/XXXX. An updated AUS is required.
|
Document Uploaded. Please see the attached underwriting findings pulled on XX/XX/XXXX. There are no expiration dates for underwriting findings on this program.
|
04/29/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; AUS is not incomplete.
|
04/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
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C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051445
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 63.13% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.13% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
|
A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
|||
|
409051353
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.6% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 73.6% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409051353
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.6% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 73.6% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051353
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 73.6% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 73.6% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051357
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 71.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.25% is less than Guideline CLTV of 90%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051357
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 71.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.25% is less than Guideline CLTV of 90%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051357
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 71.25% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.25% is less than Guideline CLTV of 90%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051358
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.51% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051358
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.51% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051358
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.51% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI
of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.51% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/12/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
B
|
B
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D
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B
|
B
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A
|
C
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A
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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|
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409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party XXXs 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the
table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of
charges for third-party XXXs 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 XXX percent;(B) The charge for the third-party XXX 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 XXX, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial CD delivery date test due to missing
Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided.
Additional testing will be completed once the Initial CD is provided. File Does not contain any COC's for increase on the Final CD dated XX/XX/XXXX.
|
Please be advised the final ALTA shows fees actually charged to the borrower of XXX which is less than initially disclosed.; Document Uploaded. Per the attached
final settlement Statement, the Sub escrow fee increased to XXX vs. XXX on the final CD, Title- Escrow Wire Fee was not charged at all and the Lenders title policy was only XXX Can the reviewer please retest based on the charges actually
assessed to borrower per the settlement Statement.; Document Uploaded. Please see the attached initial CD and retest.
|
05/12/2026
|
Final Settlement Statement provided - exception resolved; Updated cure amount to XXX after review of the settlement Statement ; This loan failed the charges that
in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party XXXs 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided
disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party XXXs 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 XXX percent;(B) The charge for the third-party XXX 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 XXX, consistent with §1026.19(e)(1)(vi).; The file did not contain a COC for the increase in recording fees. The final CD shows a lender credit but doesnt indicate its for a cure
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
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A
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D
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B
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B
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A
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C
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A
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
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A
|
A
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|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 75% exceeds AUS CLTV of 70%
|
Updated AUS provided. ; This is a Jumbo loan and is not run through any AUS. Please review the XXX confirming 75% LTV.
|
05/04/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited LTV of 75% is less than or equal to AUS CLTV of 75%; AUS is required for Jumbo
loans; please provide updated AUS.
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
B
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A
|
C
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A
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D
|
D
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B
|
C
|
D
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D
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B
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C
|
D
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D
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B
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C
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D
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D
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B
|
C
|
D
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D
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B
|
C
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
|
A
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B
|
B
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A
|
A
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|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 75% exceeds AUS HCLTV of 70% It appears the most recent AUS was not provided as the XXX increased which caused the discrepancy.
|
Updated AUS provided. ; This is a Jumbo loan and is not run through any AUS. Please review the XXX confirming 75% LTV.
|
05/04/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited HCLTV of 75% is less than or equal to AUS HCLTV of 75%; AUS is required for Jumbo
loans; please provide updated AUS.
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 75% exceeds AUS CLTV of 70% It appears the most recent AUS was not provided as the XXX increased which caused the discrepancy.
|
Document Uploaded. Please see attached. ; This is a Jumbo loan and is not run through any AUS. Please review the XXX confirming 75% LTV.
|
05/04/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited CLTV of 75% is less than or equal to AUS CLTV of 75%; AUS is required for Jumbo
loans; please provide updated AUS.
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX%
|
Updated AUS provided. ; This is a jumbo loan and is not submitted to the AUS. Please see the XXX to confirm DTI of XXX%.
|
05/04/2026
|
Documentation is sufficient. Updated AUS provided. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; AUS is required for Jumbo
loans; please provide updated AUS.
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1146
|
Credit
|
Title Document is Partially Present
|
Title Document is incomplete or only partially present. Only supplemental report was provided; please provide Final TPOL or Commitment.
|
Please be advised the policy amount missing is not a material issue, and this should be re-graded as an EV2 B. The final title policy will reflect the amount of
insurance matching the XXX.; Document Uploaded. Please see the attached prelim title commitment.
|
05/01/2026
|
Title Document is fully Present.; The attached Preliminary Title does not reflect the loan policy amount. Please provide a Title supplement to include the loan
policy amount.; Title Document is incomplete or only partially present.
|
05/04/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing
the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Document Uploaded. Please see the attached initial CD issued and acknowledged on XX/XX/XXXX.
|
04/30/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved
|
05/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Document Uploaded. Please see the attached email confirming the appraisal was delivered to the borrower.
|
04/30/2026
|
Evidence of appraisal delivery provided.
|
05/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
B
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent
dated XX/XX/XXXX or before.
|
Please see the esign log showing the electronic record and signature disclosures signed on XX/XX/XXXX.
|
04/30/2026
|
Evidence of eConsent is provided.
|
05/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
B
|
A
|
D
|
B
|
B
|
A
|
C
|
A
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
D
|
D
|
B
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
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A
|
A
|
|
|
409051447
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FPRO0951
|
Property
|
Condo Approval Missing
|
Condo Approval Missing. Condo approval is Missing. FNMA approval is missing.
|
Document Uploaded. Please see the attached fannie mae condo approval.
|
04/30/2026
|
Condo Approval is provided.
|
05/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
|
D
|
B
|
B
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A
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D
|
B
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B
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A
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C
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A
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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D
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D
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B
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C
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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|
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409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 74.98% exceeds AUS CLTV of 63% The XXX of XXX is greater than the DU Findings Report XXX of XXX The increase of XXX% exceeds the DU Tolerances for
XXX Transaction XXX Changes of XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Please see the attached aus findings. ; On XX/XX/XXXX, the XXX increased from XXX to XXX The loan then became a Jumbo loan. This loan type is not submitted
through the AUS. However, the XXX on page XX/XX/XXXX and the revised 1003 on page XX/XX/XXXX both note the updated LTV/DTI.
|
05/04/2026
|
Documentation is sufficient. AUS provided. Exception resolved.; Audited LTV of 74.98% is less than or equal to AUS CLTV of 75%; AUS is required for Jumbo loans;
please provide updated AUS.
|
05/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 74.98% exceeds AUS HCLTV of 63% The XXX of XXX is greater than the DU Findings Report XXX of XXX The increase of XXX% exceeds the DU Tolerances
for XXX Transaction XXX Changes of XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Please see the attached aus findings. ; On XX/XX/XXXX, the XXX increased from XXX to XXX The loan then became a Jumbo loan. This loan type is not submitted
through the AUS. However, the XXX on page XX/XX/XXXX and the revised 1003 on page XX/XX/XXXX both note the updated LTV/DTI.
|
05/04/2026
|
Documentation is sufficient. AUS provided. Exception resolved.; Audited HCLTV of 74.98% is less than or equal to AUS HCLTV of 75%; AUS is required for Jumbo
loans; please provide updated AUS.
|
05/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Calculated Total DTI of XXX% differs from the AUS DTI of XXX% due to the incorrect XXX in DU. DU Resubmission with
the correct XXX of XXX is required.
|
Please see the attached aus findings. ; On XX/XX/XXXX, the XXX increased from XXX to XXX The loan then became a Jumbo loan. This loan type is not submitted
through the AUS. However, the XXX on page XX/XX/XXXX and the revised 1003 on page XX/XX/XXXX both note the updated LTV/DTI.
|
05/04/2026
|
Documentation is sufficient. AUS provided. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; AUS is required for Jumbo loans;
please provide updated AUS.
|
05/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 74.98% exceeds AUS CLTV of 63% The XXX of XXX is greater than the DU Findings Report XXX of XXX The increase of XXX% exceeds the DU Tolerances
for XXX Transaction XXX Changes of XXX or up to XXX% of the XXX, whichever is less. DU Resubmission with the correct XXX is required.
|
Document Uploaded. Please see the attached aus findings. ; On XX/XX/XXXX, the XXX increased from XXX to XXX The loan then became a Jumbo loan. This loan type is
not submitted through the AUS. However, the XXX on page XX/XX/XXXX and the revised 1003 on page XX/XX/XXXX both note the updated LTV/DTI.
|
05/04/2026
|
Documentation is sufficient. AUS provided. Exception resolved.; Audited CLTV of 74.98% is less than or equal to AUS CLTV of 75%; AUS is required for Jumbo loans;
please provide updated AUS.
|
05/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
|
|
409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
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A
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A
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A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051378
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure
delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days
(counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three
business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing
the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Document Uploaded. Please see the initial CD e-signed by both borrowers on XX/XX/XXXX
|
04/30/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved
|
05/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051378
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051378
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
C
|
A
|
A
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C
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409051385
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
70.83% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409051385
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
70.83% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409051385
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.83% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
70.83% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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|||
|
409051388
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is
less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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|||
|
409051388
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is
less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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|||
|
409051388
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is
less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409051391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409051393
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
|
TILA 130b Cure Required: Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX%
tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Recording fee. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains
third-party XXXs 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 XXX% XXX exceed the comparable charges XXX
by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good
faith if:(A) The aggregate amount of charges for third-party XXXs 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 XXX percent;(B) The
charge for the third-party XXX 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 XXX, consistent with §1026.19(e)(1)(vi).
|
Document Uploaded. Please see the attached redisclosure package.
|
04/30/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.; Cure package provided to borrower within XXX days of discovery.
Exception downgraded to 2/B.
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051393
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-seller accepts; no change to grading.
|
04/30/2026
|
Confirmed : Unable to Resolve-seller accepts; no change to grading.
|
04/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051393
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051393
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051394
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Most recent tax return not provided for SCH C loss reflected on loan application.
|
Please see the XXX loss in the tax transcript on page XX/XX/XXXX of the loan images.
|
04/29/2026
|
Income and Employment Meet Guidelines
|
04/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051394
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051394
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051398
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
72.09% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.09% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051398
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
72.09% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.09% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051398
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
72.09% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.09% is less than Guideline LTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051406
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading. ; Seller acknowledges exception, no change to grading.
|
04/29/2026
|
Acknowledged as 2/B grading per client request
|
04/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is
less than Guideline LTV of 80%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051406
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is
less than Guideline LTV of 80%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051406
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is
less than Guideline LTV of 80%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051413
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM3957
|
Compliance
|
TRID: Initial Loan Estimate not provided within XXX days of application
|
Documentation required to clear exception. The Initial Loan Estimate is missing from the loan file. An LE was not found in the loan file. The violation can be
cured by providing the initial LE within XXX days of application date XX/XX/XXXX.
|
Document Uploaded. Please see the initial LE disclosed XX/XX/XXXX attached
|
05/05/2026
|
Initial LE provided; exception resolved
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051413
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051413
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of
89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051416
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Missing XXX W2 as required per the AUS.
|
Document Uploaded. Please see the attached XXX W2.
|
05/04/2026
|
Income and Employment Meet Guidelines
|
05/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
69.7% is less than Guideline LTV of 89.99%
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051416
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
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04/29/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
69.7% is less than Guideline LTV of 89.99%
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409051416
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
04/28/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
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04/29/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Original LTV is Below the Guideline Maximum - Calculated LTV of
69.7% is less than Guideline LTV of 89.99%
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C
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409051419
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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04/28/2026
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Resolved
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FCRE2371
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Credit
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Missing final HUD-XXX from sale of non-subject property
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(Departing address) XXX XXX
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Please see page XXX of the loan file. This is a XXX Mortgage and the XXX agreement on file is a guaranteed offer. We do not require evidence of the departing
residence sold as the guaranteed offer is a requirement of the loan.
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04/30/2026
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Lender confirmed - This is a XXX Mortgage and the XXX agreement on file is a guaranteed offer. We do not require evidence of the departing residence sold as the
guaranteed offer is a requirement of the loan.
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05/01/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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D
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A
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D
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409051419
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
04/28/2026
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Resolved
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finding-3526
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Compliance
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Revised Loan Estimate Delivery Date Test (prior to consummation)
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This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business
days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be
aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
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04/29/2026
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Final LE receipt date provided - exception resolved; Final LE receipt date provided - exception resolved
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04/30/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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C
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A
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D
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A
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D
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D
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409051419
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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A
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A
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D
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409051427
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of
XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Please see the XX/XX/XXXX LE attached
|
04/30/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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C
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A
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409051427
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party XXXs 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the
table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party XXX or a recording fee is in good faith if:(A) The aggregate amount of
charges for third-party XXXs 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 XXX percent;(B) The charge for the third-party XXX 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 XXX, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a
PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX Please provide the
initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Please see the XX/XX/XXXX LE attached
|
04/30/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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409051427
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is 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 or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his 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 §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). 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:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per
evidentiary document in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE dated within XXX days of application date XX/XX/XXXX.
|
Document Uploaded. Please see the XX/XX/XXXX LE attached
|
04/30/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
05/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409051427
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051427
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051429
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance
violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit on the final CD dated XX/XX/XXXX without a valid COC in file. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)
he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender
credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid
by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the cure redisclosure pkg attached
|
05/05/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
05/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
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A
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C
|
B
|
D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
|
B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
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A
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A
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B
|
B
|
A
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A
|
B
|
|
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409051429
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see the cure redisclosure pkg attached, that cures both remaining exceptions. Thank you
|
05/05/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure
Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Review Fee of XXX
on the revised CD dated XX/XX/XXXX. The COC in file dated XX/XX/XXXX does not meet timing requirements due to the lender receiving the FNMA/FHLMC UCDP report on XX/XX/XXXX determining that a CDA would be required. Please provide a valid
timely COC or cure package.
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
B
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C
|
B
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D
|
A
|
A
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A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
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A
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C
|
D
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D
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A
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C
|
D
|
D
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A
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C
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D
|
D
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A
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C
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051429
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE1184
|
Credit
|
AUS Not Provided
|
Missing AUS.
|
Document Uploaded. Please see attached
|
04/29/2026
|
AUS is not missing.
|
04/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
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B
|
D
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A
|
D
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A
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A
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A
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C
|
B
|
D
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D
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A
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C
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D
|
D
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A
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C
|
D
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D
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A
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C
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D
|
D
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A
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C
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D
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D
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A
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C
|
B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
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A
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A
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B
|
|
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409051429
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
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B
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A
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A
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D
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A
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A
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A
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C
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B
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
|||
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409051431
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38%
is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051431
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38%
is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051431
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.38% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.38%
is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051307
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV
of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051307
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV
of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051307
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV
of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051312
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.62% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.62% is less than Guideline CLTV of 89.99%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051312
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.62% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.62% is less than Guideline CLTV of 89.99%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051312
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.62% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.62% is less than Guideline CLTV of 89.99%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051316
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Borrower 2's negative income of XXX for XXX was not included in the original income calculation, resulting in the
higher DTI calculation.
|
Document Uploaded. Please see attached AUS
|
05/06/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
05/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|
|
409051316
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit
report on the XX/XX/XXXX LE without a valid COC.
|
Document Uploaded. Please see attached CIC for the increase to the credit report fee. A client was added.
|
05/06/2026
|
Valid COC provided; exception resolved
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051316
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051321
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% DTI discrepancy is due to an updated AUS not being provided. AUS is dated XX/XX/XXXX and loan closed on XX/XX/XXXX.
|
Document Uploaded. Please see the attached corrected aus findings.
|
05/06/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051321
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051321
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051323
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1184
|
Credit
|
AUS Not Provided
|
Missing AUS.
|
Document Uploaded. Please see the attached AUS.
|
05/06/2026
|
AUS is not missing.
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.17% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline CLTV of 89.99%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051323
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.17% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline CLTV of 89.99%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051323
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 76.17% is less than Guideline LTV of 89.99% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.17% is less than Guideline CLTV of 89.99%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051324
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Document Uploaded. Please see attached, confirmation the appraisal was delivered via email
|
05/06/2026
|
Evidence of appraisal delivery provided.
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.49% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.49% is less than Guideline LTV
of 89.99%
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051324
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.49% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.49% is less than Guideline LTV
of 89.99%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051324
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.49% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.49% is less than Guideline LTV
of 89.99%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051325
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051325
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051325
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051329
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance violation in the amount of XXX is due to the addition of the Appraisal Review Fee added to the LE dated XX/XX/XXXX. UCDP report in the file shows the lender received the appraisal on XX/XX/XXXX with a score of XX/XX/XXXX yet fee was
not disclosed to the borrower until the XX/XX/XXXX LE, which is not within XXX days of the increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith
determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a
comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under
§1026.19(e)(1)(i).
|
Document Uploaded. The SSR Report was not received until the afternoon of XX/XX/XXXX. It must be reviewed by an underwrtiter who will then order the CDA. Upon
the underwriter revieweing the report, the fee was disclosed within XXX days. Please review to clear this condition. See attached confirming the report was received later in the day on XX/XX/XXXX making it unreasonable to expect it to have
been reviewed same day.
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05/06/2026
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Valid COC provided; Exception resolved; Valid COC provided; Exception resolved
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05/06/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%
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409051329
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/05/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
05/05/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%
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409051329
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/05/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
05/05/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%
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409051330
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/04/2026
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Resolved
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FCRE1190
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Credit
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Audited FICO is less than AUS FICO
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Audited FICO of XXX is less than AUS FICO of XXX
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Document Uploaded. Please see the attached aus findings noting the correct qualifying score.
|
05/06/2026
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Audited FICO of XXX is equal to or greater than AUS FICO of XXX
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05/07/2026
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Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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409051330
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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409051330
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
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Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.75% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.75% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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409051337
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1293
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Credit
|
Income 2 Months Income Verified is Missing
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Income 2 Months Income Verified is Missing Additional employment income document missing for XXX.
|
Document Uploaded. Please see attached removing this income. Updated AUS, 1003 and XXX The DTI qualifies without the income.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Income 2 Months Income Verified is Present Or Not Applicable; Income 2 Months Income Verified is
Missing
|
05/08/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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409051337
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% AUS is not a final and was completed on XX/XX/XXXX. Loan closed on XX/XX/XXXX - updated AUS is required.
|
Document Uploaded. Please see attached AUS.
|
05/06/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
05/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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409051337
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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409051337
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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409051345
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% The calculated DTI aligns with the XXX and the tape data. However, the available AUS is an older version; therefore,
the DTI does not match.
|
Document Uploaded. Please see the attached AUS.
|
05/06/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
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409051345
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
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409051345
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX years
on job.
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409051346
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XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 89.99%
Calculated LTV of 42.5% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99% Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99%
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409051346
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/04/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
05/05/2026
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Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 89.99%
Calculated LTV of 42.5% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99% Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99%
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409051346
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/04/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
|
05/05/2026
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Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 89.99%
Calculated LTV of 42.5% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99% Calculated CLTV of 42.5% is less than Guideline CLTV of 89.99%
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409051347
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
05/05/2026
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Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% Calculated CLTV of 69.47% is less than Guideline CLTV
of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline
Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% Calculated LTV of 69.47% is less than Guideline LTV of 80%
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409051347
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
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Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% Calculated CLTV of 69.47% is less than Guideline CLTV
of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline
Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% Calculated LTV of 69.47% is less than Guideline LTV of 80%
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409051347
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.47% is less than Guideline CLTV of 80% Calculated CLTV of 69.47% is less than Guideline CLTV
of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline
Maximum - Calculated LTV of 69.47% is less than Guideline LTV of 80% Calculated LTV of 69.47% is less than Guideline LTV of 80%
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409051352
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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A
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409051352
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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409051352
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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409051355
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan
estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required
under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such
version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX and XX/XX/XXXX were mailed, and therefore not received by the consumer
XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see attached. ; Document Uploaded. Apologies. Please see attached ; Document Uploaded. Please see attached confirming when the LE was
viewed. Website FYI is the borrower viewing the document.
|
05/08/2026
|
LE receipt dates provided - exception resolved; Documentation uploaded still appears as a blank white document, XXX the date of receipt ; Can you please
re-upload, both attached documents are blank
|
05/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051355
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: The borrower signed the XXX day appraisal delivery waiver but there is no evidence a copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the appraisal to
confirm it was received by the borrower timely.
|
Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/06/2026
|
Acknowledged as 2/B grading per client request
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051355
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX As per the Title Commitment, the title coverage amount is $XXX; however, this amount
is less than the total subject lien amount of XXX
|
Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/06/2026
|
Acknowledged as 2/B grading per client request
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051355
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|||
|
409051448
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.3% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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409051448
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.3% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
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A
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A
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409051448
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.3% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.3% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
A
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A
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A
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409051361
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.95% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.95% is less than Guideline LTV
of 89.99%
|
A
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409051361
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.95% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.95% is less than Guideline LTV
of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051361
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 21.95% is less than Guideline
CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 21.95% is less than Guideline LTV
of 89.99%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051366
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1185
|
Credit
|
AUS Partially Provided
|
AUS Partially Provided. DU submission XXX dated XX/XX/XXXX has a DTI calculation of XXX%. Loan closed on XX/XX/XXXX. An updated AUS is required.
|
Document Uploaded. Please see attached corrected AUS findings.
|
05/06/2026
|
AUS is not incomplete.
|
05/06/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.71% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051366
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.71% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409051366
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.71% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.71% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX
is due to decrease in Lender Credit from XXX on the CD XX/XX/XXXX to XXX on the Final CD XX/XX/XXXX. There was no COC in the file to explain why the amount decreased
|
Document Uploaded. Please see attached PCCD curing the issue. File name is inaccurate, check is included.
|
05/08/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
05/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051373
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX
business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the missing Loan estimates, additional testing will be completed once documents are provided.
|
Per the final CD the remaining XXX was applied as a principal curtailment.
|
05/06/2026
|
Valid COC in file and lender confirmed principal reduction was for lender credits; exception resolved; Valid COC in file and lender confirmed principal reduction
was for lender credits; exception resolved
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% Calculated CLTV of 47.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% Calculated LTV of
47.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051373
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3634
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Compliance
|
Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of
XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the missing Loan estimates, additional testing will be completed, once documents are provided.
|
Per the Initial LE issued XX/XX/XXXX on page XX/XX/XXXX the appraisal was disclosed as XXX No tolerance violation has occurred.
|
05/06/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
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05/07/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% Calculated CLTV of 47.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% Calculated LTV of
47.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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409051373
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3515
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Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate XX/XX/XXXX and revised LE XX/XX/XXXX (per evidentiary doc in file) are missing from the loan
file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the missing Loan estimates, additional testing will be completed once received. This loan failed the initial loan estimate delivery date
test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is 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 or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid
changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his 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 §XXX(a)(XXX) and as it relates to
§1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's
application.
|
The XX/XX/XXXX and XX/XX/XXXX LEs can be found on pages XXX and XX/XX/XXXX in the loan images. ; Document Uploaded. Please see the attached missing LE's for
retesting.
|
05/06/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% Calculated CLTV of 47.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% Calculated LTV of
47.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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409051373
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% Calculated CLTV of 47.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% Calculated LTV of
47.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
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C
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A
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409051373
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater
than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 80% Calculated CLTV of 47.37% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 80% Calculated LTV of
47.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.
|
C
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A
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A
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409051377
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline
CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.72% is less than Guideline LTV of
75%
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A
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409051377
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline
CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.72% is less than Guideline LTV of
75%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051377
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.72% is less than Guideline
CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.72% is less than Guideline LTV of
75%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051379
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Acknowledged
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If
the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing
requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/07/2026
|
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.37% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 44.37% is less than Guideline LTV of 89.99%
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051379
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing
|
Document Uploaded. Please see attached title commitment.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Title Document is fully Present
|
05/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.37% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 44.37% is less than Guideline LTV of 89.99%
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
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A
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B
|
D
|
D
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A
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B
|
D
|
D
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A
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B
|
D
|
D
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A
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B
|
B
|
A
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A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051379
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.37% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 44.37% is less than Guideline LTV of 89.99%
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051380
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Rescinded
|
finding-47
|
Compliance
|
TILA Right of Rescission Test
|
This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3),
transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the
notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.
|
Please be advised subject property is a new construction home and notice of right to cancel forms are not applicable on this transaction.
|
05/07/2026
|
paying off construction loan; exception resolved
|
05/08/2026
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||
|
409051380
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Rescinded
|
FCOM1262
|
Compliance
|
Right of Rescission is Missing
|
Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and non-borrowers.
|
Please be advised subject property is a new construction home and notice of right to cancel forms are not applicable on this transaction.
|
05/07/2026
|
paying off construction loan; exception resolved; Right of Rescission is Provided
|
05/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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409051380
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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409051380
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
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409051383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99%
|
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409051383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99%
|
A
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409051383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 89.99% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline LTV of 89.99%
|
A
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|||
|
409051395
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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|||
|
409051395
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
409051395
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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|||
|
409051396
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.45% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409051396
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.45% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
409051396
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 65.45% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 65.45% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
409051397
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 69.7% exceeds AUS CLTV of 50%
|
Document Uploaded. Please see uploaded document, Updated AUS as requested.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited CLTV of 69.7% is less than or equal to AUS CLTV of 70%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051397
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 69.7% exceeds AUS HCLTV of 50%
|
Documentation provided is sufficient. Exception resolved.; Audited HCLTV of 69.7% is less than or equal to AUS HCLTV of 70%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051397
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 69.7% exceeds AUS CLTV of 50%
|
Documentation provided is sufficient. Exception resolved.; Audited LTV of 69.7% is less than or equal to AUS CLTV of 70%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051397
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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|||
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409051397
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 89.99% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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C
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A
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A
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A
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409051399
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 74.24% exceeds AUS CLTV of 70% Appraisal Value on AUS says $XXX and actual URAR value is XXX resulting in mismatched when compared to XXX and
Audited data.
|
Document Uploaded. Please see the attached revised aus.
|
05/07/2026
|
Audited CLTV of 74.24% is less than or equal to AUS CLTV of 75%
|
05/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
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A
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A
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409051399
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX AUS is dated XX/XX/XXXX; loan closed
XX/XX/XXXX. An updated AUS reflecting the change is required.
|
Please see the attached revised aus.
|
05/07/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%
|
05/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409051399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 74.24% exceeds AUS HCLTV of 70% Appraisal Value on AUS says $XXX and actual URAR value is XXX resulting in mismatched when compared to XXX and
Audited data. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the change is required.
|
Please see the attached revised aus.
|
05/07/2026
|
Audited HCLTV of 74.24% is less than or equal to AUS HCLTV of 75%
|
05/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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409051399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 74.24% exceeds AUS CLTV of 70% Appraisal Value on AUS says $XXX and actual URAR value is XXX resulting in mismatched when compared to XXX and
Audited data. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the change is required. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the change is required.
|
Please see the attached revised aus.
|
05/07/2026
|
Audited LTV of 74.24% is less than or equal to AUS CLTV of 75%
|
05/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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A
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A
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C
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A
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A
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409051399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed.
- Calculated DTI of XXX% is less than Guideline DTI of XXX% Tax amount for subject property is differs on AUS vs Audited data and XXX
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender
credit tolerance violation in the amount of XXX is due to decrease in Lender Credit (itemized fee item for Recording Fee) from XXX on the initial CD to XXX on the final CD. This loan failed the lender credits that cannot decrease test. (12
CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and
non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith
if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Document Uploaded. Please see attached package mailed to the borrower.
|
05/07/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B
|
05/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
C
|
B
|
A
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A
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A
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A
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C
|
B
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
B
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A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
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A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051408
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
409051408
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051408
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051410
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 62.64% exceeds AUS CLTV of 49% In AUS, the appraised value of XXX was used; however, the XXX reflects a value of XXX which is the reason for the
mismatch. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the changes is required.
|
Please see the attached revised AUS findings.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited LTV of 62.64% is less than or equal to AUS CLTV of 63%
|
05/08/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 62.64% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.64% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
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C
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A
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A
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C
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409051410
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 62.64% exceeds AUS HCLTV of 49% In AUS, the appraised value of XXX was used; however, the XXX reflects a value of XXX which is the reason for
the mismatch. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the changes is required.
|
Please see the attached revised AUS findings.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited HCLTV of 62.64% is less than or equal to AUS HCLTV of 63%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.64% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.64% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
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C
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A
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C
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A
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C
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A
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409051410
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 62.64% exceeds AUS CLTV of 49% In AUS, the appraised value of XXX was used; however, the XXX reflects a value of XXX which is the reason for the
mismatch. AUS is dated XX/XX/XXXX; loan closed XX/XX/XXXX. An updated AUS reflecting the changes is required.
|
Document Uploaded. Please see the attached revised AUS findings.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited CLTV of 62.64% is less than or equal to AUS CLTV of 63%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.64% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.64% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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409051410
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
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This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is 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 or broker receives the
consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the
baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his 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 §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). 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:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict
results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public
for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under
§1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per
compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX
|
Document Uploaded. Please see the attached initial LE.
|
05/07/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
05/08/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of 62.64% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.64% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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A
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409051410
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
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No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 62.64% is less than Guideline LTV of 89.99% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.64% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum
FICO of XXX
|
C
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A
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A
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A
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C
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A
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A
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A
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C
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A
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409051411
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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A
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A
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409051411
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409051411
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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|||
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409051420
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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|||
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409051420
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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409051420
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051430
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1184
|
Credit
|
AUS Not Provided
|
Missing AUS.
|
Document Uploaded. Please see the attached updated AUS.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; AUS is not missing.
|
05/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.42% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.42% is less than Guideline LTV of 89.99%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409051430
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.42% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.42% is less than Guideline LTV of 89.99%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409051430
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.42% is less than Guideline CLTV of 89.99% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.42% is less than Guideline LTV of 89.99%
|
D
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A
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D
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D
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409051435
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase for the Appraisal Fee on the LE
issued XX/XX/XXXX. There's an email with the explanation of rush fee; however, the email is not dated and XXX if the change was required within XXX business days of the re-disclosure.
|
Document Uploaded. Please see attached, confirmation the appraisal fee was approved on XX/XX/XXXX
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05/07/2026
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Valid COC provided; exception resolved; Valid COC provided; exception resolved
|
05/08/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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C
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A
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409051435
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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409051435
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/06/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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409051438
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1188
|
Credit
|
Audited CLTV Exceeds AUS CLTV
|
Audited CLTV of 66.37% exceeds AUS CLTV of 65% XXX is Mismatching With AUS and Note Document, Hence LTV is Not Matching. Lender's AUS and XXX does not match.
Auditor checked the file to see if there was another AUS finding in the file to match the XXX and was not able to find one. AUS is dated XX/XX/XXXX; loan closed on XX/XX/XXXX. An updated AUS is required.
|
Document Uploaded. Please see the attached AUS.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited CLTV of 66.37% is less than or equal to AUS CLTV of 67%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.37% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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409051438
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1189
|
Credit
|
Audited HCLTV Exceeds AUS HCLTV
|
Audited HCLTV of 66.37% exceeds AUS HCLTV of 65% XXX is Mismatching With AUS and Note Document, Hence HLTV is Not Matching. AUS is dated XX/XX/XXXX; loan closed
on XX/XX/XXXX. An updated AUS is required.
|
Please see the attached AUS.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited HCLTV of 66.37% is less than or equal to AUS HCLTV of 67%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.37% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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A
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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409051438
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FCRE1187
|
Credit
|
Audited LTV Exceeds AUS LTV
|
Audited LTV of 66.37% exceeds AUS CLTV of 65% XXX is Mismatching With AUS and Note Document, Hence CLTV is Not Matching. AUS is dated XX/XX/XXXX; loan closed on
XX/XX/XXXX. An updated AUS is required.
|
Please see the attached AUS.
|
05/07/2026
|
Documentation provided is sufficient. Exception resolved.; Audited LTV of 66.37% is less than or equal to AUS CLTV of 67%
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.37% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051438
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.37% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051438
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of 66.37% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.37% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051441
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1184
|
Credit
|
AUS Not Provided
|
Missing AUS.
|
Document Uploaded. Please see the attached AUS findings.
|
05/07/2026
|
AUS is not missing.
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 59.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline
CLTV of 80%
|
D
|
A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409051441
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 59.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline
CLTV of 80%
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051441
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of 59.26% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.26% is less than Guideline
CLTV of 80%
|
D
|
A
|
A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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