|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2026-8
|
|||||
|
Start - End Dates:
|
3/4/2026 - 5/22/2026
|
|||||
|
Deal Loan Count:
|
187
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
187
|
|||||
|
Loans with Conditions:
|
143
|
|||||
|
0 - Total Active Conditions
|
||||||
|
283 - Total Satisfied Conditions
|
||||||
|
109 - Credit Review Scope
|
||||||
|
7 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
1 - Category: Application
|
||||||
|
12 - Category: Assets
|
||||||
|
14 - Category: Credit/Mtg History
|
||||||
|
20 - Category: DTI
|
||||||
|
19 - Category: Income/Employment
|
||||||
|
6 - Category: Insurance
|
||||||
|
7 - Category: Legal Documents
|
||||||
|
16 - Category: Terms/Guidelines
|
||||||
|
7 - Category: Title
|
||||||
|
12 - Property Valuations Review Scope
|
||||||
|
11 - Category: Appraisal
|
||||||
|
1 - Category: Property
|
||||||
|
162 - Compliance Review Scope
|
||||||
|
16 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
5 - Category: Compliance Manual
|
||||||
|
2 - Category: Finance Charge Tolerance
|
||||||
|
5 - Category: RESPA
|
||||||
|
2 - Category: Right of Rescission
|
||||||
|
1 - Category: State Consumer Protection
|
||||||
|
131 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
26 - Total Waived Conditions
|
||||||
|
17 - Credit Review Scope
|
||||||
|
1 - Category: Assets
|
||||||
|
2 - Category: Credit/Mtg History
|
||||||
|
4 - Category: Income/Employment
|
||||||
|
7 - Category: Insurance
|
||||||
|
1 - Category: LTV/CLTV
|
||||||
|
2 - Category: Terms/Guidelines
|
||||||
|
2 - Property Valuations Review Scope
|
||||||
|
1 - Category: Appraisal
|
||||||
|
1 - Category: Property
|
||||||
|
7 - Compliance Review Scope
|
||||||
|
1 - Category: RESPA
|
||||||
|
6 - Category: Right of Rescission
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which
it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
|||
|
Client Project Name:
|
SEMT 2026-8
|
||
|
Start - End Dates:
|
3/4/2026 - 5/22/2026
|
||
|
Deal Loan Count:
|
187
|
||
|
Conditions Report 2.0
|
|||
|
Loans in Report:
|
187
|
||
|
Loans with Conditions:
|
143
|
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
409039777
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Lender Credit decreased by $XXX from CD XXX to Final CD XXX (missing Rate Lock extension or COC in file) and Appraisal Rush fee
$XXX added on CD XXX with no valid reasons documented on COC XXX (need further explanation as to why Appraisal was not ordered until XXX and fee not disclosed within 3 days of findings) Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/06/26 Client provided a missing, revised XXX CD package with the COC and Lock reflecting the Lock Extension for the credit change. Condition remains. There
remains a Zero Tolerance violation of $XXX for the added Appraisal Rush Fee on CD 3/3. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.05/26/26 Client provided a XXX PCCD, LOE,
shipping label (shipment confirmed) and $XXXrefund check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX= $XXXreserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
|
|
409039809
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA; not met Provide additional asset statements, meeting
requirements. May be subject to additional conditions upon review.
|
4.30.2026 Client provided Business bank statements w/XXX #XXX along with Cash Flow Asset Analysis in file for these assets, Borrower having XXX% ownership and
using balance of $XXX; updated reserves are $XXX with using business funds
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at subject residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409039809
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH122
|
Foreclosure history does not meet guidelines
|
No
|
Note date: XXXPer Lender's Fraud Report: NOD on subject XXXPer Borrower LOE: 'I filed the Lis Pendens XXX to protect my property until the property is refinanced
and the Trust with my estranged husband is dissolved'.Does not meet below guidelines:' Foreclosure: Seven year waiting period measured from the completion date of the foreclosure reported on the credit report or other foreclosure documents.
Deed-In-Lieu, Short Sale, Pre-foreclosure, and Charge-Off of a Mortgage Account: Seven year waiting period is required from the completion date as reported on the credit report or other documents.'
|
4.30.2026 Client provided Borrower LOX in file (pg 435) stating, I filed the Lis Pendens on XXX to protect my property until the property is refinanced and the
Trust with my estranged husband is dissolved. Response, per Borrower LOX appears this was file due to knowing a divorce was being in the process and was protecting property from being sold by other party until divorce is final and per Divorce
Decree provided, Borrower have been awarded this property and credit report reflect satisfactory payment history on property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at subject residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409039809
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Note Date : XXX Both self employed VOES dated: XXX Provide VOES for both businesses meeting below as required by DU findings. May be subject to additional
conditions upon review.'Employment and Income XXX Perform and document a verification of employment for each borrower using one of the followingmethods permitted in the Selling Guide.1) 'employment for all borrowers who are self-employed
within XXX calendar days prior to the note date.'
|
4.30.2026 Client provided SOS for both XXX businesses: XXX, LLC and XXX LLC dated prior to closing and post closing
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at subject residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409039809
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Quit Claim Deed and DOT: B1, an unmarried womanTitle: Proposed Insured - XXXProvide updated Title matching DOT. May be subject to additional conditions upon
review.
|
4.21.2026 Client provided duplicate (in file) Title that reflect Lender name as the Proposed Insured vs Borrower name. Initial condition remains 5.13.2026
Client provided LOX stating since this is the lender's policy that is showing to be issued, it should show as the lender name. If it was the owner's policy then it would be the borrower's name, but this is a refinance. There is no owner's
policy being issued.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at subject residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409039809
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Appraisal reflects Lender/Client as XXX, XXX.Lender is XXX, XXX Provide appraisal report in Lender's name, meeting guidelines. Subject to full review and may be
subject to additional conditions.
|
4.30.2026 Client provided Lender LOX stating, XXX XXX is XXX XXX provided, there will be instances for our partners to have ordered appraisals in their name,
this has never been an issue before. Response, LOX provided addresses the reason name differ and verifies not as being a transfer
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at subject residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409041666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
No asset documentation in file. Final CD shows $XXX cash required to close.
|
3/6 Client provided sufficient assets
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409041666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
No asset documentation in file. Reserves of XXX months PITI or $XXX required. File also needs assets of $XXX to offset XXX XXX day account payment and $XXX cash
required to close. Total asset verification required $XXX
|
3/6 Client provided sufficient assets
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409041666
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2304
|
Unverified Assets
|
No
|
No asset documentation in file. Reserves of XXX months PITI or $XXX required. File also needs assets of $XXX to offset XXX XXX day account payment and $XXX cash
required to close. Total asset verification required $XXX.
|
3/6 Client provided sufficient assets
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409042148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of updated property tax amount on subject
|
5.11.2026 Client provided LOX breakdown of updated taxes that is being used for monthly $XXX previous was using $XXX however did not provided the documentation
that supports the rate that is being used for this calculation. Condition remains for tax docs with rate for calculation used. 5.13.2026 Client provided copy of the Tax Office with verifying rate used for updated monthly taxes
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX, all liquidRequired:XXX liquid for Asset Depletion, met
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409042148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Per appraisal annual taxes are $XXX: 'Real estate taxes reflect partially completed improvements and willdiffer once completed. Real Estate Taxes: Taxes shown
are based on a residential structure taxed for XXX% completion. Lender is advised that actualreal estate taxes will differ from current taxes shown in this report.' Provide annual tax amount based on subject's final construction / completed
improvements. Subject to DTI and reserves recalc and may be subject to additional conditions upon review.
|
5/5 client provided a Tax estimate with the assessed value based on the Loan amount of $XXX; The Estimate should be based on the Purchase price of the property
$XXX Provide supporting docs for correct tax estimate 5.11.2026 Client provided LOX breakdown of updated taxes that is being used for monthly $XXX previous was using $XXX however did not provide the documentation that supports the rate that
is being used for this calculation. Condition remains for tax docs with rate for calculation used. 5.13.2026 Client provided copy of the Tax Office with verifying rate used for updated monthly taxes
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX, all liquidRequired:XXX liquid for Asset Depletion, met
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409042178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide full VOM for XXX. Opened XXX and Credit Report shows 4 months reviewed
|
4.24.2026 Client provided credit report reflecting the same 4 months reviewed for XXX however was opened as of XXX through XXX however only showing 4 months;
Initial condition remains 5.20.2026 Client provided XXX statement reflect 0 x 30 in XXX months with closing date of XXX and credit report mtg history with XXX open XXX and this XXX Credit statement reflect in the last XXX months being XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409042178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide 2025 W2. Loan closed XXX
|
4.24.2026 Client provided 2025 w2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409042178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide documentation that Trust is irrevocable as required per Guidelines.
|
4.22.2026 Client provided XXX Revocable Trust, document does not state as being irrevocable, appears to be a Revocable Trust. Condition remains to verify as an
irrevocable trust. Note: This condition is pertaining to using Trust Income 4.24.2026 Client provided Lender LOX stating, Vesting is as sole and separate married man. Response, vesting property as a "sole and separate man" does not determine
that a trust is irrevocable. Vesting merely defines how title is held. Condition remains to verify Trust is irrevocable as required per Guidelines 5/6 Client provided an approved exception to allow the revocable trust
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs,Meets FNMA guidelines for revocable trust with fixed payments
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409042337
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042337
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% tolerance in the amount of $XXX due to Recording Fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or
Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/15/2026 Client provided a COC XXX reflecting Borrower paid recording fees per Settlement Agent provided figures. Condition remains. Provide the change that
occurred resulting in the higher recording fee for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 05/07/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and created
shipping label. Condition remains for delivery.05/12/26 Client provided another copy of the shipping label. Tracking confirms delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042337
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
The income is declining. The guidelines require a YTD P&L. The file does not contain the require the P&L.
|
5.6.2026 Client provided signed end of year 2025 P/L for B1 Schedule C XXX supporting monthly income being used for qualifying. Note: P/L shows Income minus
Expenses
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042337
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
The income is declining. The guidelines require a YTD P&L. The file does not contain the require the P&L.
|
4/22 Client provided an Email; on review Provide the 2025 YTD P&L 5.6.2026 Client provided signed end of year 2025 P/L for B1 Schedule C XXX supporting
monthly income being used for qualifying. Note: P/L shows Income minus Expenses
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5089
|
TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged
|
No
|
No Escrow Waiver Fee disclosed in Loan Costs Section while the amount is listed in Loan Disclosures. No evidence that the fee was charged.
|
04/13/26 Client provided a XXX PCCD related to the Zero Tolerance violation. Condition remains. The Loan Disclosures section reflects an Escrow Waiver Fee,
however there is no corresponding fee in the Loan Costs section. XXX Client provided screen print of XXX% escrow waiver fee added to points however, the amount listed on page 4 reflects a lower amount. Provide further information of this
difference or PCCD with corrected page 4 and LOE to Borrower. 05/08/2026 Client provided PCCD XXX with correction. Condition remains for LOE. 05/11/2026 Client provided an e-mail LOE for change reflecting fee included in pricing.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $xxx due to Appraisal Fee increase on CD XXX without a valid COC in file. Condition pending receipt of a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/06/2026 Client provided PCCD XXX, LOE and copy of check request. Condition remains. Provide the copy of the check with evidence of delivery via tracking.
04/13/26 Client provided tracking that confirms shipment and a $XXX refund check. Condition remains. The refund check is paid to the order of a different person (not the Borrower or Co-Borrower). Provide a copy of the $XXX check to the
subject borrowers.04/20/2026 Client provided missing $XXX check to Borrower with delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5097
|
TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures
|
No
|
No Escrow Waiver Fee disclosed in Loan Costs Section while the amount of $XXX is listed in Loan Disclosures.
|
04/13/26 Client provided a XXX PCCD related to the Zero Tolerance violation. Condition remains. The Loan Disclosures section reflects an Escrow Waiver Fee,
however there is no corresponding fee in the Loan Costs section. 05/06/2026 Client provided screen print of XXX% escrow waiver fee added to points however, the amount listed on page 4 reflects a lower amount. Provide further information of
this difference or PCCD with corrected page 4 and LOE to Borrower.05/08/2026 Client provided PCCD XXX with correction. Condition remains for LOE. 05/11/2026 Client provided an e-mail LOE for change.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Missing Subject Photos
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Missing Appraiser Signature o pg 6 of Appraisal
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Missing Comp Photos
|
4.3.2026 Client provided executed full complete copy of subject appraisal including all applicable pages, photos, license, etc.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Credit report shows zero derogatory events for mortgage account opened XXX
|
|
409042440
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history XXX.
|
|
409042521
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX due to not including Translation Services fee in B. section. Per XXX in file, lender did include this fee however final CD
XXX, in Loan Calculation section, is excluding it. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, LOE to the borrower, corrected PCD and proof of delivery with tracking.
|
04/14/26 Client provided missing CD packages issued on XXX and XXX. Condition remains. Finance Charges are understated on the Final XXX CD by $XXX due to the
exclusion of the Translation Services Fee. Per the XXX, Lender included the charge as an APR fee, however per the Final CD, that charge was excluded in the Loan Calculations. Borrower is due a refund check of $XXX, PCCD, LOE, proof of
delivery that includes tracking information, and reopen rescission to all title holders.04/21/26 Client provided an updated XXX XXX, signed Final Refinance Statement, LOE and corrected XXX PCCD package reflecting the funding corrections.
Condition remains. Finance Charges are tested as of Consummation (Final XXX CD). Finance Charges are understated $XXX. Borrower is due a refund check of $XXX, proof of delivery that includes tracking information and reopen rescission to all
title holders.04/30/26 Client provided a XXX PCCD, LOE, $XXX refund check and Tracking (Delivery confirmed on XXX). Condition remains. Reopen rescission to all title holders.05/08/2026 Client provided re-opened, H9 ROR forms for both title
holders e-signed XXX and expiration midnight, XXX. Condition remains for the end of rescission period
|
Condition Satisfied. New rescission period expired.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: 47.89% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409042521
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX due to not including Translation Services fee in B. section. Per XXX in file, lender did include this fee however final CD
XXX, in Loan Calculation section, is excluding it. Condition is pending re-opening rescission to all title holders with dates allowing for delivery, a copy of refund, LOE to the borrower, corrected PCD and proof of delivery with tracking.
|
04/14/26 Client provided missing CD packages issued on XXX and XXX. Condition remains. Finance Charges are understated on the Final XXX CD by $XXX due to the
exclusion of the Translation Services Fee (causing the Amount Financed to be overstated $XXX). Per the XXX, Lender included the charge as an APR fee, however per the Final CD, that charge was excluded in the Loan Calculations. Borrower is due
a refund check of $XXX, PCCD, LOE, proof of delivery that includes tracking information, and reopen rescission to all title holders.04/21/26 Client provided an updated XXX XXX, signed Final Refinance Statement, LOE and corrected XXX PCCD
package reflecting the funding corrections. Condition remains. Finance Charges and Amount Financed are tested as of Consummation (Final XXX CD). Finance Charges are understated $XXX(Amount Financed overstated by $XXX). Borrower is due a
refund check of $XXX, proof of delivery that includes tracking information and reopen rescission to all title holders.04/30/26 Client provided a XXX PCCD, LOE, $XXX refund check and Tracking (Delivery confirmed on XXX). Condition remains.
Reopen rescission to all title holders.05/08/2026 Client provided re-opened, H9 ROR forms for both title holders e-signed XXX and expiration midnight, XXX. Condition remains for the end of rescission period
|
Condition Satisfied. New rescission period expired.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: 47.89% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409042521
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
04/14/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: 47.89% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409042521
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by the borrowers min 3 days prior to closing date XXX
|
04/14/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: 47.89% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409042521
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increased Translation Services fee by $XXX and added Discount Points $XXX on final CD XXX with no COC/ Rate Lock
extension in file to support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/14/26 Client provided missing CD packages issued on XXX and XXX. Condition remains. Re-testing still results in a Zero Tolerance violation of $XXX due to the
added Discount Points on the Final XXX CD without a valid COC or Rate Lock. Provide the missing COC/Lock for review, OR provide Borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.04/21/26
Client provided a missing XXX CD with COC for the Rate Lock Extension and Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: 47.89% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409042536
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing Flood Certification
|
4.24.2026 Client provided copy of subject Flood Certification, flood zone X
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $
XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042536
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing 1008
|
4.24.2026 Client provided lender Credit Memo however still missing Lender 1008; condition remains 5.4.2026 Client provided Lender 1008 with appraised value of
$XXX however appears the appraised value is $XXX ; provide updated 1008 with LTV of XXX% Note: Prior purchase amount was $XXX and appraised value of $XXX and Lender using $XXX5/6 Client provided a corrected 1008
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $
XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042536
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing Title
|
4.24.2026 Client provided subject Prelim Title Commitment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $
XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409042547
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor
|
4/6/2026 Client provided an exception approval for using incorrect ROR form
|
4/6/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042547
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Appraisal Fee increased on LE XXX without a valid COC in file; CDA Review increased and a Lender Credit decreased on
Final CD XXX without a COC in file. Condition pending receiving valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/22/26 Client provided the XXX COC with the XXX LE and Appraisal Order notes validating the increased Appraisal fee, along with 2 missing CDs (XXX and XXX
along with the corresponding XXX COC and XXX COC. Re-testing still results in a Zero Tolerance violation of $XXX due to the increased CDA fee. The XXX COC indicates the increase was due to a Rush request, however Rush charges need supporting
documentation provided that confirms the Borrower made the request to Rush the order. Provide the missing Rush request from the Borrower for review, OR provide Borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that
includes tracking information.05/12/26 Client provided a XXX PCCD with cure, LOE, refund check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042547
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL100
|
Legal document incorrect or incomplete
|
No
|
Missing updated appraisal/addendum correcting the subject County to XXX ; appraisal provided reflects county as XXX.
|
5/5 Client provided the corrected appraisal
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042547
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Provide updated title evidence (along with appendix A) reflecting the subject city as XXX; title currently reflects city as XXX.
|
4.21.2026 Client provided updated Final Title reflecting XXX as City and XXX as County in applicable areas.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409042714
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal increased from $XXX to $XXX on LE XXX with no valid reasons documented on COC XXX. Tolerance cure required $XXX. Condition is pending receiving PCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/27/2026 Client provided PCCD XXX with $XXX cure, Copy of cure check, LOE and out for delivery shipping label. Condition remains. Tolerance from $XXX on the
Initial LE to $XXX on the LE XXX. COC only reflects updated appraisal fee order from $XXX. to $XXX. Provided the change that occurred causing the increase for review or refund for the additional $XXX via PCCD with additional cure, copy of the
additional cure check, LOE to Borrower and evidence of delivery via tracking.05/01/2026 Client provided a Seller collaborate comment: I would like to point out a data-entry error on the XXX COC (page 10). It shows the appraisal fee as $XXX,
however that is a typo. The Loan Estimate (page 12) shows the fee is the $XXX. Explaining the $XXX cure. With duplicates of LE XXX, XXX and COC XXX. Condition remains. The COC XXX does not provide a valid reason for the increase from $XXX
to the $XXX. Borrower is due a refund of the additional $XXX. Provide a PCCD with the additional $XXX cure, copy of the cure check, LOE to Borrower and evidence of delivery via tracking.05/07/2026 Client provided a CD dated XXX (which is
prior to the closing date) showing $XXX cure, copy of the cure check, LOE and delivered shipping label. The Condition remains. Provide a PCCD reflecting the correct cure amount with an LOE to the Borrower for the change for re-review.
additional conditions may apply. 05/15/26 Client provided an Email response from the Seller explaining the typos and cure history. Condition remains. The last PCCD received reflects the correct cure amount of $XXX, however the Issue Date
shows XXX, which is prior to Closing. Seller to provide an updated PCCD reflecting the correct Post-Close "Issue Date" with new LOE to borrower.05/22/26 Client provided a corrected XXX PCCD with tracking and confirmed borrower receipt.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%
|
|
409042909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI134
|
Debt Ratio Exception =>10%
|
No
|
The verified DTI is XXX%. Guidelines allow up to XXX%. The lender used the 2024 tax return income $XXX to qualify the loan; however, the file contains the 2025
Year End P&L which reflects income of $XXX per month. The P&L does not break down the borrower's officer compensation; therefore, no W2 income was included in the 2025 calculation.
|
5/5 Client provided 2025 W2; when added to the 2025 P&L income the DTI remains at XXX; Condition remains 5/13 Client provided rental income WS; provide
corrected 1003/1008 with REO and income added for review 5/14 Client provided revised 1003/1008/AUS However, Lender added the income as other income although the property is commercial, we are using the income from schedule E to qualify, the
REO must be listed on the 1003 with the rental income calculated from Schedule E, and matching updated AUS approval.5/15 Client provided revised 1003/1008 and UAS with additional REO income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409042909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
The verified DTI is XXX%. Guidelines allow up to XXX%. The lender used the 2024 tax return income $XXX to qualify the loan; however, the file contains the 2025
Year End P&L which reflects income of $XXX per month. The P&L does not break down the borrower's officer compensation; therefore, no W2 income was included in the 2025 calculation.
|
5/5 Client provided 2025 W2; when added to the 2005 P&L income the DTI remains at XXX; Condition remains
|
Satisfied for XXX%
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409042909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The Schedule E of the personal tax return and Divorce decree both confirms the borrower has an additional property located on XXX. The file does not contain
documentation to exclude this property from the borrower's DTI. Missing evidence the property has been sold or third party is responsible for the PITIA. In addition, the borrower owns land only located on XXX which the purchase HUD confirms
is free and clear; however, the file is missing evidence of the taxes, insurance (if applicable) and HOA (if applicable).
|
4.16.2026 Client provided Lender LOX regarding initial condition along with property profile for XXX/XXX XXX verifying owner name is in business name: XXX LLC
and provided property profile for XXX and HUD-1 showing free and clear of liens, property profile provided support having taxes of $XXX for XXX (1.99 acres) and XXX having $XXX taxes, both XXX having same Parcel number and appears monthly
taxes are $XXX/ subject address is XXX however for XXX monthly taxes are $XXX; this is reflected on REO of 1003 however missing documentation to support the additional $XXX that is included in the total of $XXX listed on REO of 1003 (taxes
$XXX + $XXX unknown = $XXX) 4.21.2026 Client provided updated 1003 REO reflecting $XXX for taxes on XXX vs $XXX(was on previous 1003)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409042911
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying score XXX, Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
409043021
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX and COC in file, a revised CD was issued on XXX which is missing from file.
|
05/04/26 Client provided the missing XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds minimum XXX.
|
|
409043021
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing verbal verification of employment for borrower within 10 business days of note.
|
5/5 Client provided the VVOE for both Borrowers
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds minimum XXX.
|
|
409043050
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409043050
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Lender Credit decreased from revised LE XXX $XXX to final LE XXX $XXX. COC issued XXX does not list amount of Credit decrease or any details as to why Credit
decreased. Condition pending receipt detailed COC with Credit decrease validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
05/12/26 Client provided a duplicate copy of the XXX COC and an Email showing a screenshot of the LE stating it looks like the lender credit reduced in
proportion to the origination fee. Condition remains. The COC is not valid for this change. Lender to provide some form of documentation that shows the borrower was aware the Lender Credit was subject to the Origination Fee they were paying.
05/20/2026 Client provided an updated XXX COC reflecting Escrow waiver for pricing change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409043067
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Provide proof that XXX Bank HELOC has been paid and closed to future draws. May be subject to additional conditions upon review.
|
3/31 Client provided evidence that XXX is closed per credit supplemt
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired: Subject: XXX months PITIA+3 months PITI for each of three
financed REOs
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409043067
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
1. DOT: Borrower is (B1 with middle name) AND (B2 with middle name) AS TRUSTEES OF THEXXX TRUST DATED 06/10/2021, FOR THE BENEFIT OF (B1 with middle name) AND
(B2 with middle name)2a. Title: Mortgage from(B1 with middle initial) AND (B2 with middle initial), as co-Trustees of XXX Trust, U/A datedXXX; and (B1 with middle initial ) AND (B2 with middle initial), as co-Trustees of XXX Trust, U/Adated
XXX, to Lower, LLC, securing the original amount of $XXX2b. Title: loan amount, $XXX, does not match final loan amount of $XXX** Provide updated matching documents. May be subject to additional conditions upon review.
|
3/31 Client asked for clarification; Final vesting must match Title as Title vesting is the controlling document; Provide a Scrivener's affidavit for recording
with the vesting corrections matching Title4/29 Client provided Corrected loan amount on title; Condition remains for Corrected DOT matching title vesting with Scriveners affidavit and intent to record 5.1.2026 Client provided Title and DOT
however vesting do not match, DOT have vesting as Borrowers name as Trustees of xxx and Title have Borrower names as Co-Trustees of XXX. Condition remains, vesting do not match 5/14 client provided corrected title policy matching DOT vesting
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired: Subject: XXX months PITIA+3 months PITI for each of three
financed REOs
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409043085
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
04/27/26 Client provided the XXX Initial CD package. Condition remains. Provide the confirmation of receipt by both borrowers at least 3 days prior to
Closing.04/29/26 Client provided the e-signed copies of the XXX CD and the disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409043085
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
04/27/26 Client provided the XXX Initial CD package. Condition remains. Provide the confirmation of receipt by both borrowers at least 3 days prior to
Closing.04/29/26 Client provided the e-signed copies of the XXX CD and the disclosure tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409043085
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to a 2nd Appraisal Fee was added to CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD
reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/24/26 Client provided a missing XXX COC and XXX LE package. Condition remains. The COC indicates the 2nd Appraisal was added, as required by UW on a rush to
meet delivery by closing. Condition remains. The COC does not provide a valid change in circumstance reason for adding the 2nd Appraisal fee. And any rush addition needs to be supported by documentation that confirms the borrower made the
rush request. Provide valid change documents for review, OR provide borrower with an $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.05/26/26 Client provided a XXX PCCD, LOE and Tracking (shipment
confirmed). Condition remains for a copy of the $XXX refund check.05/26/26 Client provided the $XXX refund check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409043092
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Discount Points on initial CD XXX. COC dated XXX indicates added Discount Points however is not including a
valid reason (rate was already locked on LE XXX and has not expired) and changes were not disclosed until CD XXX (not within 3 days of findings). Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund
and proof of delivery via shipping that includes tracking information.
|
05/06/2026 Client provided PCCD XXX with cure, copy of cure check, COC/LOE and delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409043098
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX as Transfer Taxes were added to CD XXX without a valid COC in file. Condition pending receipt of a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/15/2026 Client provided a duplicate CD XXX with disclosure tracking and COC that states Settlement fees updated due to information received from escrow
company. Condition remains. Provide the change that occurred resulting in the increase of the City/County Deed Tax/Stamp fee for re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery. 04/22/2026 Client
provided a duplicate of the COC XXX reflecting Settlement fees updated due to information received from the escrow company. City/County Deed Tax/Stamp fee changed from $XXX to $XXX, however it still does not give information for reason/change
that made this fee be added after the initial disclosure. Condition remains. Borrower is due a refund. Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery. 5/08/2026 Client provided PCCD XXX removing the
City/County Deed tax/stamp fee section E and adding an E-Filing fee in section B along with COC stating Title fee - Affidavit Processing fee moved to section B not section E. Condition remains. Provide additional information regarding the
COC referencing a different fee name than what was updated onto the PCCD, for re-review. Additional conditions may apply. 05/15/2026 Client provided a seller collaborate comment: Hi Team, to answer the latest Redwood request - Provide
additional information regarding the COC referencing a different fee name than what was updated onto the PCCD - The reason for the different fee name was due to fee naming limitations in our XXX LOS system. The E-filing fee was used best to
disclose the recording Title Affidavit Processing fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history shows no derogatory events since XXX (1x30).
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409043132
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per COC dated XXX and XXX doc in file, a revised/ last LE was issued on XXX but is missing.
|
04/28/26 Client provided the XXX COC and Tracking. Condition remains. The Tracking indicates a Loan Estimate was not delivered with the XXX package. Lender to
confirm if an LE was delivered after the XXX change.05/12/26 Client provided a Disclosure Log History showing that an LE was delivered and received on XXX. Condition remains. Provide the missing XXX LE.05/19/2026 Client provided logs of
disclosure documents included in the package delivered XXX reflecting no LE sent, along with LOE stating An LE was not included in the XXX package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash Reserves$XXX
|
|
409043170
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX months > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409043179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings requirement per loan program.
|
4.28.2026 Client provided DU AUS A/I submission #9 however subject is in a PUD and no monthly HOA included in DTI (per DU #29), condition remains to verify
subject having no monthly HOA or verify the monthly HOA and to be included in DTI. 5.6.2026 Client provided copy of subject appraisal showing in PUD with monthly HOA of $XXX along with HOA Declaration of Covenants, Conditions and Restrictions
verifying having no HOA.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Co-borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Fico score XXX exceeds guide lines of XXX.
|
|
409043354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing income docs and missing REO PITIA docs
|
4.14.2026 Client provided duplicate (previously reviewed w/initial review) CPA decline income Letter (pg 360), condition remains duplicate CPA from file was
previously reviewed at initial review. Condition remains to address all requested items in initial review
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide sufficient documentation to support the PITIA amounts for the 3 REOs on the final 1003. Subject to DTI and reserves recalc and may be subject to
additional conditions upon review.
|
4.14.2026 Client provided evidence of monthly taxes, HOI, HOA, PI etc for each applicable property supporting amount used on REO of 1003 + Flood for Bay property
and property profile provided to support last lien on applicable properties.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
PL's must be signed and dated, meeting requirements.
|
5.1.2026 Client provided signed dated end of year 2025 P/L and depreciation is verified in file by CPA that is being used on Lender income worksheet
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Note date XXX. 2024 1040's and business returns used for income. IRS Record of Account XXX page 105 combined file, states 'Requested data not found' for 2024
1040 transcripts. Provide sufficient documentation that 2024 has been submitted to the IRS. Subject to income recalc and may be subject to additional conditions upon review.
|
4/24 Client provided an Email that Bwr was on extension until XXX and provided canceled check dated XXX matching taxes due
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043354
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
1. CPA to provide confirmation of mortgages / notes due in < XXX months renewing on : a. XXX, b. XXX c. XXX.2. CPA to provide more clarification re: LOE for
businesses income declines for XXX,XXX, XXX and XXX being 'the result of normalvacancy / turnovers occurring in a post covid rental environment' ; when Covid was primarily in XXX3. CPA/ Borrower to provide signed / dated LOE for decline in
income for XXX and for XXX. * May be subject to additional conditions upon review.
|
4.14.2026 Client provided duplicate (previously reviewed w/initial review) CPA decline income Letter (pg 360), condition remains duplicate CPA from file was
previously reviewed at initial review. Condition remains to address all requested items in initial review.4/28 Client provided an Email that additional information is not required; Upon review by XXX XXX; condition remains for all 3 items in
initial condition5/4 Client provided the same CPA letter and clarified the lender qualified using the lower XXX months average; Condition remains for additional information from CPA regarding the declining income and if the declines continue
for all properties ; and CPA to address of mortgages / notes due in < XXX months renewing on : a. XXX, b. XXX, c.XXX. CPA/ Borrower to provide signed / dated LOE for decline in income for XXX and for XXX. * May be subject to additional
conditions upon review. 5/5 Client provided an Email; upon review of account letter the balance sheets show mortgages converting to long term debt; CPA indicated Preservation properties had an increase in revenue and has returned to normal
levels; and Condition remains for CPA to address if declining trends continue for XXX, XXX, XXX and XXX, XXX and for XXX. being 'the result of normalvacancy / turnovers occurring in a post covid rental environment' ; when Covid was
primarily in 2020-2022.5/12 Client provided updated 1003/1008 removing qualifying income for XXX, XXX, XXX and XXX , XXX and XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043475
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.
Calculated DTI XXX%. This due to Lender using a XXX year average for XXX and XXX when income is declining. Provide documentation that Mortgage/Note for $XXX for XXX is renewable.
|
5/8 Client provided an Email that Income calculation was revised with updated DTI; Provide revised 1003/1008 with supporting calculations 5.13.2026 Client
provided updated 1003/1008 with removing XXX% payment ($XXX) from DTI with updated DTI of XXX%; Condition remains for updated DU reflecting DTI of XXX%5.21.2026 Client provided updated DU reflecting DTI of XXX% and provided XXX business bank
statement supporting sufficient business assets to cover less than one year due mortgage/note on Schedule L of $XXX(allowed per FNMA guide)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file
|
05/06/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
05/06/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
Calculated DTI XXX%. This due to Lender using a XXX year average for XXX and XXX when income is declining.
|
5/8 Client provided an Email that Income calculation was revised with updated DTI; Provide revised 1003/1008 with supporting calculations 5.13.2026 Client
provided updated 1003/1008 with removing XXX% payment ($XXX) from DTI with updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide documentation that Mortgage/Note for $XXX for XXX is renewable.
|
5/8 Client provided LOX that business had sufficient assets to cover the loan; Provide liquidity WS 5.13.2026 Client provided Lender Liquidity worksheet however
missing documentation this Note is renewable. Initial condition remains 5.21.2026 Client provided Lender LOX along with snippet of FNMA guidelines stating: less than one year notes/bonds mortgages due, these adjustments are not required to
be subtracted for lines of credit or if there is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them. Response, previously Cash flow analysis worksheet was provided which
covered Year XXX however with most recent business bank statement (XXX) verifying having sufficient assets to cover balance of $XXX(less than XXX year balance) and business statement balance $XXX sufficient to not include less than one year
in calculation with receipt of the most recent business bank statement vs Liquidity worksheet (per FNMA guidelines)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043542
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide documentation for XXX Installment payment. Lender used XXX%.
|
5/8 Client provided credit supplement that Ally acct was paid; Provide corrected 1003 with XXX% payment removed5.13.2026 Client provided updated 1003/1008 with
removing XXX% payment ($XXX) from DTI with updated DTI of XXX%; Condition remains for updated DU reflecting DTI of XXX%5.21.2026 Client provided updated DU submission #XXX with updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1739: Positive mortgage payment history
- XXX Comments: Borrowers have XXX on current and previous mortgages
|
|
409043546
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
While appraised value is currently supported by XXX LCA score; PC CD reflects $XXX to XXX for Appraisal Review Fee. Provide missing CDA. May be subject to
additional conditions upon review.
|
5.6.2026 Client provided a Title commitment however not belonging to this file, nothing provided pertaining to initial condition. Initial condition remains XXX
Client provided a refund to the client for $XXX fee
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: At job since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409043563
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX tracking in file, Funding CD XXX and last LE XXX were issued and provided to the borrowers but both disclosures are missing in file.
|
04/23/26 Client provided the missing XXXLE package along with duplicate copies of the Initial XXX CD and Final XXX CD. Condition remains. Provide the missing XXX
CD as reflected on the Disclosure Tracking.04/28/26 Client provided the XXX PCCD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409043563
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409043563
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
On initial CD XXX 2nd appraisal fee increased by $XXX without a valid change of circumstance in file. Tolerance cure required for $XXX. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/23/26 Client provided the missing XXX LE package along with duplicate copies of the Initial XXX CD and Final XXX CD. Condition remains. The increase of the
2nd Appraisal Fee occurred on the XXX LE, however the COC indicates a Rush Fee was added to meet the requested due date. Provide the supporting evidence that the Borrower made the request to Rush the order. Subject to re-review.04/28/26
Client provided the missing XXX PCCD. Condition remains. The increase of the 2nd Appraisal Fee occurred on the XXX LE, however the COC indicates a Rush Fee was added to meet the requested due date. Provide the supporting evidence that the
Borrower made the request to Rush the order. Subject to re-review.05/05/26 Client provided an Email from the Lender Lock Desk and Compliance Analyst indicating the $XXX general Lender Credit was allocated for the increased Appraisal charge.
Also provided is a screenshot showing the $XXX Lender Credit Info at the time of the credit addition on XXX (credit added on XXX CD) that reflects the Lock Desk Concession Notes as for the Appraisal Fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409043563
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date of XXX is before the disbursement date of XXX on the final CD.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXX final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409043574
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
409043731
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date XXX; disbursement date XXX per the PCCD.
|
4/17 Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409043731
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation to support the appraisal value of $XXX. CU score 2.6.
|
5/6 Client provided the appraisal from the file; Provide a CDA or CCA supporting the appraised value 5.12.2026 Client provided 3rd party CDA valuation supporting
appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409043759
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing K1 for 1120S corp. Unable to accurately calculate income.
|
5.18.2026 Client provided copy of 2024 k1 for 1120S supporting monthly XXX income being used for qualifying of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409043759
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing K1 for 1120S corp. Unable to accurately calculate income.
|
5.18.2026 Client provided copy of 2024 k1 for 1120S supporting monthly XXX income being used for qualifying of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409044051
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|||||||||||||||
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing all required XXXX income documentation as required by XXX AUS Program and AUS used to qualify the borrower.
|
4.15.2026 Client provided some income document and AUS however still missing additional income documents. Condition remains 4/30 client provided 1040s and W2s
still missing full complete copy of 1120S 2023 (missing 1125-E with compensation Officer income and all applicable statements that are apart of the returns, appears to be 14 statements), final review of income upon receipt and review of these
documents. 5/5 Client provided the complete statements from 23 1120
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance triggered due to unable allocate fees as initial LE is missing in file. Additional conditions may apply.
|
04/23/2026 Client provided missing LE XXX. Re-testing results in tolerance of $XXX which was cured on Final CD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX percent tolerance triggered due to unable allocate fees as initial LE is missing in file. Additional conditions may apply.
|
04/23/2026 Client provided missing LE XXX. Re-testing results in no 10% tolerance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3494
|
TRID - Loan Estimate Missing
|
No
|
Missing initial LE issued on XXX, along with any revised/ last LE, COC, Rate Lock if applicable.
|
04/23/2026 Client provided missing LE XXX e-signed XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing all XXX income documentation as required by XXX Program and AUS used to qualify the borrower, including signed/dated business returns complete with all
Schedules and 2025 P&L as required/applicable. Lender should also provide a XXX income calculation worksheet and liquidity analysis on FNMA form 1084/FHLMC 91 or equivalent.
|
4.15.2026 Client provided 2024/2023 1120S business returns (and signed/dated)for XXX borrower and provided end of year 2025 P/L and provided Lender Cash Flow
income worksheet with calculation used for qualifying, however (a). still missing 2024/2023 1040 personal tax returns (all schedules and w2's) and to be signed dated and (b). missing full complete copy of 1120S 2023 (missing 1125-E with
compensation XXX income and all applicable statements that are apart of the returns, appears to be 14 statements), final review of income upon receipt and review of these documents. 4/30 client provided signed 1040s and W2s; still missing
(b). missing full complete copy of 1120S 2023 (missing 1125-E with compensation XXX income and all applicable statements that are apart of the returns, appears to be 14 statements), final review of income upon receipt and review of these
documents. 5/5 Client provided the complete statements from 23 1120
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing evidence to verify subject HOI coverage and payment.
|
4.15.2026 Client provided subject HOI policy, sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
Missing subject purchase contract.
|
4.15.2026 Client provided executed subject Sales Purchase Contract supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS used to qualify the borrower.
|
4.15.2026 Client provided DU A/E Approval submission #3 however file is also missing 1008 and Final 1003 for review. 4/30 client provided the 1008/1003
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044179
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing required title evidence.
|
4.15.2026 Client provided subject Prelim Title Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409044387
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409044391
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX( $ XXX X XXX = $ XXX
)+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409044391
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Rush fee was added to LE XXX without a valid COC in file. Condition pending receipt of a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
04/15/2026 Client provided Disclosures for XXX, including the duplicate of LE XXX with COC reflecting lock and Appraisal rush fee of $XXX added which is to be
paid by the Borrower. Condition remains. Provide evidence of the Borrowers request/approval for the Appraisal to be rushed for re-review. 04/28/26 Client provided a XXX Email between several parties (XXX Bank, XXX , XXX, includes To
Borrower as well) stating they have not heard from the appraiser and asking for news, as the appraisal contingency is XXX. Condition remains. This email does not reflect any borrower request or approval to Rush the appraisal and agree to the
added fee. Provide the supporting documentation for the borrower's request for the Rush. Subject to re-review.05/15/26 Client provided a 5/7 PCCD, LOE, refund check and proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX( $ XXX X XXX = $ XXX
)+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409044391
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP1813
|
Undisclosed non-arm's length transaction
|
No
|
Subject Transaction Contains Dual Agency: Selling Agent and Buyers Agent are the same
|
XXX Exception approved XXX for Subject Transaction Contains Dual Agency: Selling Agent and Buyers Agent are the same
|
Upon further review by senior underwriter exception is deemed non-material do to no evidence of any gain to the borrower. Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX( $ XXX X XXX = $ XXX
)+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
B
|
A
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
XXX has been Cancelled and replaced with XXX:Appraisal fee increased from initial LE XXX $XXX to final CD XXX $XXX & Appraisal Desk Review fee $XXX was added
to revised CD XXX. COC forms issued XXX & XXX do not list fee increases or list any details as to why fee's increased. Cure provided on final CD of $XXX for recording fee increase insufficient to satisfy. Condition pending receipt
detailed COC with fees validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
04/15/26 Client provided screen shots of detailed XXX and XXX COC Disclosure Details. Added Desk Review is validated for UCDP score (report dated XXX).
Re-testing still results in a Zero Tolerance violation of $XXX for the Appraisal Fee increase. Receipt of a higher invoice is not a valid change reason. In addition, the invoice includes a Rush Fee amount that would require supporting
evidence the Borrower made the request to Rush the order. Borrower is due a refund of $XXX, PCCD with increased cure, LOE and proof of delivery that includes tracking information.04/22/26 Client provided a XXX PCCD, LOE, refund check and
tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount
|
No
|
04/22/26 Client provided a XXX PCCD for a tolerance cure that reflected added/increased charges. A Total of Payments violation occurred of $XXX. Cure via LOE to
borrower, corrected PCCD, refund check and proof of delivery that includes tracking information.
|
05/01/26 Client provided request for testing. Upon review by internal Compliance counsel, the actual amount of the fees increase was $XXX, however due to the
removal of the $XXX Title Courier and $XXX Title Endorsement, the updated Total of Payments violation is only $XXX. Cure via LOE to borrower, corrected PCCD, refund check for $XXX and proof of delivery that includes tracking
information.05/06/26 Client provided a XXX PCCD, LOE, $XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.05/08/2026 Tracking reflects in transit.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date XXX is greater than the transaction date of XXX. Per final CD disbursement date is XXX Condition Waived
|
Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review
|
XXX initial and final grade of B
|
Not Applicable
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Subject Photos are missing
|
4.6.2026 Client provided executed full completed copy of subject appraisal with all applicable pages, including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR167
|
Appraisal not Signed
|
No
|
Appraisal not Signed
|
4.6.2026 Client provided executed full completed copy of subject appraisal with all applicable pages, including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044594
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Subject Photos are missing
|
4.6.2026 Client provided executed full completed copy of subject appraisal with all applicable pages, including photos, license, etc
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409044602
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Credit Report increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check
to borrower.
|
05/19/2026 Client provided PCCD with cure, copy of cure check, LOE and delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409044605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
04/28/26 Client provided the Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409044605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD issued XXX (as per disclosure tracking summary/ XXX doc in file) acknowledged by the borrowers min 3 days prior to closing date XXX
|
04/28/26 Client provided the Initial XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409044605
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing XXXxXXX housing/rental payment history for first time home buyer.
|
5/4 Client provided an approved exception to allow the file without the VOR
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|
409044749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Provide 2 years documentation for Bonus Income supporting $XXX/monthPer Final 1003 REO at XXX shows $XXX/month PITI (escrows included) and $XXX/month HOA. Could only verify $XXX/month for HOA. Provide additional documentation or LOE
from Borrower
|
4.24.2026 Client provided end of year 2025/2024 and YTD 2026 paystubs to support monthly bonus income of $XXX; condition remains for verification of other PITI
documentation 5/4 Client asked for clarification; Upon review Borrower sent in corrected 1008/1003 with HOA $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
|
|
409044749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
|
|
409044749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Per Final 1003 REO at XXX shows $XXX/month PITI (escrows included) and $XXX/month HOA. Could only verify $XXX/month for HOA. Provide additional documentation
or LOE from Borrower
|
4/20 Client provided an REO PITIA documents already reviewed; Condition remains for HOA variance Documented amount is $XXX and lender used $XXX; If correct
amount is $XXX provide corrected 1003/1008 4.30.2026 Client provided updated 1003/1008 with REO corrected amount
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
|
|
409044749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Lender is using XXX from Indeed with parent company XXXtraded on XXX exchange.XXX Exception approval in file, however missing documentation.
|
4/20 Client provided the vesting schedule; Still missing XXX income calculation WS and the lower of the current XXX price or the 52-week average for the most
recent twelve (12) months reporting at the time of application4/27 Client provided Vesting schedule again with XXX price; Missing 52 week average and income WS showing the calculation used5/4 Client provided the income WS with 52 week avg
supporting income calculation for XXX4.30.2026 Client provided base income worksheet however still missing prior update documentation, XXX worksheet and 52 week average XXX price. Condition remains
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
|
|
409044749
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide 2 years documentation for Bonus Income supporting $XXX/month
|
4.24.2026 Client provided end of year 2025/2024 and YTD 2026 paystubs to support monthly bonus income of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
|
|
409045022
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX year at current employment
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409045164
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form
|
4/15/26 Client provided an approved exception for using incorrect ROR form
|
4/15/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409045164
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide documentation that current mortgage has not been 30 days past due since inception. Credit Report does not show months reviewed and mortgage statement
shows 1 payment past due.
|
5.4.2026 Client provided updated Credit supplement with current mtg XXX showing 3 months history through XXX and next due XXX and prior mtg was with XXX with 3
months history on credit report in file, subject was acquired 7 months ago; current mtg having 6 months mtg history.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXXmonths PITI
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409045166
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation.
|
04/29/26 Client provided an Exception Request Form. Condition remains. Unclear what the Exception Request Form is approving regarding this Exception. Provide the
missing Initial CD for testing.05/04/26 Client provided the XXX Initial CD and Tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX x 9 = XXX+ XXX Months for each Additional REO or $ XXX X XXX =
$ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|
409045166
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3102
|
Buydowns not permitted per guidelines
|
No
|
Borrower paid Buydowns not permitted per guidelines.
|
4.30.2026 Client provided exception approval for Borrower paid Buydowns not permitted guidelines
|
Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX, verified
reserves with significant time at current residence (XXX years)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ $XXX or XXX PITIAGuidelines require XXX months or $ XXX x 9 = XXX+ XXX Months for each Additional REO or $ XXX X XXX =
$ XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
|
|
409045312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Insufficient assets verified in the file to meet the closing cost requirement. Total assets verified were $XXX with cash required to close of $XXX leaving $XXX
short funds to close. DU findings indicate other liquid assets of $XXX that were used to qualify. File is missing documentation verifying these assets.
|
5.11.2026 Client provided executed Seller CD from sale of home: XXX with payoff of existing 1st and 2nd liens and netting proceeds of $XXX; sufficient liquid
funds to close verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX leaving $XXX short
funds to close. XXX months PITIA, or $XXX in reserves are required. DU findings indicate other liquid assets of $XXX that were used to qualify. File is missing documentation verifying these assets.
|
5.11.2026 Client provided executed Seller CD from sale of home: XXX with payoff of existing 1st and 2nd liens and netting proceeds of $XXX; sufficient liquid
funds to close verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Final 1003 indicates borrowers' departing residence is pending sale and the PITI(A) payment was not included in the debts. File is missing the final, fully
executed settlement statement verifying the property has been sold and the mortgages paid off. Any funds required from the borrowers to complete the sale must be deducted from subject loan available assets.
|
5.11.2026 Client provided executed Seller CD from sale of home: XXX with payoff of existing 1st and 2nd liens and netting proceeds of $XXX; sufficient liquid
funds to close verified
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409045436
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets XXX are $ XXX or XXX PITIAGuidelines require months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or ( $ XXX X XXX =
$ XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
409045495
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence used to exclude XXX and XXX PITI payments from XXX XXX XXX
|
5.7.2026 Client provided executed copy of Final Divorce Decree dated XXX including property settlement agreement, where B2 shall remove herself from the deed to
the XXX house by executing and delivering a quitclaim deed in favor of XSpouse and XSpouse shall be soley responsible for both liens against this property: 1st lien XXX and 2nd lien XXX and B2 shall have no further claim or obligation
related to this property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years in Business
|
|
409045495
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years in Business
|
|
409045495
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Appraisal Fee - 2nd Appraisal of $XXX XXX and increased Transfer Tax fee by $XXX on Initial CD XXX with no COC in
file. File only includes initial LE XXX. Per XXX doc in file, last LE was issued on XXX. Provide missing disclosure and, if applicable, any revised LEs with COC/ Rate Lock for further testing. Additional conditions may apply.
|
05/05/2026 Client provided missing LE XXX with COC reflecting loan amount increase resulting in 2nd Appraisal.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years in Business
|
|
409045495
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX% Tolerance in the amount of $XXX due to Title - Exam/Search Fee of $XXX and Title - Title Insurance Binder fee increased to $XXX on Initial CD from $XXX on
LE XXX with no valid COC in file. Both fees ( paid to a title company disclosed on SPL ) and Recording fee are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to
borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/21/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years in Business
|
|
409045495
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing evidence used to exclude XXX and XXX PITI payments from XXX XXX XXX
|
5.7.2026 Client provided executed copy of Final XXX Decree dated XXX including property settlement agreement, where B2 shall remove herself from the deed to the
XXX house by executing and delivering a quitclaim deed in favor of XSpouse and XSpouse shall be soley responsible for both liens against this property: 1st lien XXX and 2nd lien XXX and B2 shall have no further claim or obligation related to
this property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years in Business
|
|
409045501
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX% max allowed.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|||||||||||||||
|
409045518
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045518
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal fee increased by $XXX on initial CD XXX with no valid reasons documented on COC XXX. Lender's credit of
$XXX for tolerance cure was applied but is not sufficient. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/28/26 Client provided the Final ALTA and following seller comment: Buyers Final ALTA provided that reflects lender cure. Condition remains. The Final ALTA
reflects the same $XXX Lender Credit as the Final CD. Borrower is due an additional refund of $XXX to cure the original $XXX tolerance violation due to the increased Appraisal Fee without a valid reason/explanation provided on the XXX COC.
Provide a $XXX refund, PCCD with additional cure, LOE to borrower and proof of delivery that includes tracking information.05/01/26 Client provided an Email response from the Lender along with the XXX Appraisal Invoice and the Appraisal Order
Notes. The fee increased due to the borrower cancelling the appointment when the appraiser was almost at their location, so a trip fee was charged and the order rescheduled. Condition remains. Per the Appraisal Order Notes, this occurred on
XXX, however the fee was not disclosed until the XXX CD. It does not appear timing was met, however Lender can provide supporting documentation that shows they did not receive this information until XXX (or within 3 days of XXX) for review.
Additional conditions may apply.05/08/26 Client provided a XXX PCCD with cure, LOE, $XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.05/12/26 Client provided the
proof of shipment.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409045546
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI; max XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX + REOs $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|||||||||||||||
|
409045582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The borrowers opened a new mortgage account for the property located on XXX in the amount of $XXX. The file does not contain verification of the new mortgage
payment.
|
5.13.2026 Client provided First payment letter supporting PI of $XXX for this newly purchased property: XXX. same reflected on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
The Appraisal and CDA both reflect the city as XXX ; however, all legal documents reflect the city as XXX.
|
5.20.2026 Client provided updated correct Appraisal and CDA with city as XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045585
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing
|
05/04/2026 Client provided an Affiliated Business letter regarding a different Lender. Condition remains. Provide the missing Affiliate Business Disclosure for
the Lender on the Note. 05/06/26 Client provided an email rebuttal and the State of CA SOS detail showing Lender is managed under XXX. No ABD required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX and XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409045596
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409045614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409045614
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1) Final 1003 and DU findings indicate borrowers secured a bridge loan from the departure residence. File is missing copies of the bridge loan documents
verifying the payment/terms. Used payment amount of $XXX from final 1003 for recalculations.2) Lender used monthly insurance, taxes, association dues, etc of $XXX to qualify for borrowers' retained departure residence. Tax and insurance
documentation provided in the file verified monthly amount of $XXX. File is missing documentation verifying the additional monthly expenses of $XXX.
|
5.13.2026 Client provided updated 1003 removing Bridge loan from REO of departure home (however should not be removed) and provided the HUD-1 that supports
receipt of receiving these Bridge loan funds of $XXX and file have other additional documentation supporting receipt of these funds. Condition remains for documentation supporting Bridge payment of $XXX used for this Bridge loan payment and
missing evidence of the additional monthly expenses of $XXX (possibly HOA) 5.18.2026 Client provided executed copy of Bridge Note supporting monthly payment used of $XXX and provided copy of appraisal from departure residence supporting
having no monthly HOA.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409045676
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
|
|||||||||||||||
|
409045682
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
Consummation date (last notary date) on XXX. Borrower's ROR, signed on XXX, end of rescission period is dated XXX. Borrower was not provided full 3 day
rescission period. Condition is pending re-opening rescission to all title holders, providing full 3 day rescission period with dates allowing for delivery, LOE to the borrowers, PCD and proof of shipping with tracking.
|
04/22/2026 Client provided the missing ROR signed by Borrower on XXX with expiration date changed and initialed to XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045682
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST207
|
Assets Are Unreasonable
|
No
|
The assets are not within 60 days of the Note date XXX. Bank statement end dates XXX for XXX XXX and XXX for XXX XXX.
|
5/1 Client provided the XXX statements and additional assets with updated 1003/1008/AUS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045682
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing B2 4506 form.
|
5/1 Client provided the 4506
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409045727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXXreserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|||||||||||||||
|
409045975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR114
|
ROR - Right of Rescission not executed by all title holders
|
No
|
Missing ROR for additional title holders. Only ROR provided executed by Primary. Right of Rescission not executed by all title holders.
|
04/29/26 Client provided the following: XXX is the only one on the mortgage. Please rescind. See deed of trust uploaded. Condition remains. Upon review by
internal Compliance counsel, provide the missing QCD removing spouse from Title. In addition, both additional borrowers were entitled to receive an ROR (those with a right to rescind include any Co-Borrower). Provide the 2 additional
borrowers with an ROR, proof of delivery and reopen rescission.04/30/26 Client provided the QCD signed on XXX. Upon review by internal Compliance counsel, as the QCD was signed after Closing, and the non-borrowing spouse was still on title
via marriage at the time of closing, an EV2 is issued. RORs for the 2 other borrowers are not required.05/08/2026 Client provided reopened rescission H8 documents, LOE and shipping label in created status and not yet picked up by courier.
Condition remains for evidence of delivery. 05/14/26 Client provided the delivery confirmation on XXX and new RORs with expiration at midnight on XXX. Condition remains for the new rescission period to expire.05/18/2026 The new rescission
period has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX
|
|
409045975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The file is missing evidence of the hazard insurance policy for the property located on XXX. In addition, in order to exclude the P&I for the property
located on XXX , a full XXX months verification that the third party pays the mortgage payment is required; however, only XXX months were provided.
|
4.29.2026 Client provided XXX statement #XXX from other party whom making monthly payments on XXX XXX property, PI of $XXX is verified with XXX months history
from XXX - XXX that other party have been making this payment for this property, (omitted from B2 DTI), condition now remains for missing evidence of hazard insurance for XXX. property (per initial condition) XXX Client provided copy of HOI
policy for XXX supporting monthly $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Qualifying LTV is XXX%. Guidelines allow up to XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX
|
|
409045976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
The application for the borrower reflects borrower rents their primary residence located on XXX The guidelines require a VOR when there is a history of renting
in the most recent XXX months. The file does not contain the required VOR. In addition, the application for the co-borrower reflects the co-borrower owns their primary residence located on XXX. The guidelines require a mortgage history when
the borrower owns their property. The file does not contain the required mortgage history for the co-borrower's primary residence.
|
4.30.2026 Client provided updated 1003 reflecting B2 current address as XXX. for XXX years at this address and showing XXX as prior housing for B2 (missing
evidence this property have been sold, verify no longer own), and provided VOR for B1 with satisfactory housing payment from XXX - XXX (address XXX.). subject is a Primary refinance was under construction. Condition remains to support B2
property: XXX. having been previously sold and not listed on REO of properties and was listed as B2 current home and have now been removed to B2 prior home. Missing evidence B2 property XXX have been previously sold/no longer own. This
condition is being satisfied with updated 1003 for B2 current residence address: XXX and VOR for B1; separate condition on file regarding B2 XXX. documentation needed to support no longer owns (this would be a duplicate condition if remained)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The final application reflects the co-borrower lives on and owns the property located on XXX; however, the file does not contain any documentation to verify the
PITIA for this property. The PITIA for this property also is not included in the DTI. If the co-borrower does not own this property, documentation to support co-borrower does not own the property and an updated application is required. If
the co-borrower rents this property, a VOR will be required and rent payment should be included in the DTI.
|
4.30.2026 Client provided updated 1003 reflecting B2 current address as XXX . for XXX years at this address and showing XXX as prior housing for B2 (missing
evidence this property have been sold, verify no longer own), and provided VOR for B1 with satisfactory housing payment from XXX - XXX (address XXX.). subject is a Primary refinance was under construction. Condition remains to support B2
property: XXX . having been previously sold and not listed on REO of properties and was listed as B2 current home and have now been removed to B2 prior home. Missing evidence B2 property XXX. have been previously sold/no longer own. 5.5.2026
Client provided Lender LOX regarding the discrepancy occurred because the loan application had been copied from a prior file. Response, accepting LOX from Lender as being a copied from a prior file and the XXX address do appear to be from
Year XXX(per address history in file)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
LTV/CLTV
|
Waived
|
B
|
B
|
B
|
B
|
CRDLTV5736
|
LTV Exceeds Guideline Requirement by less than 5%
|
No
|
Qualifying LTV is XXX%. Guidelines only allow XXX%
|
5.5.2026 Client provided exception approval for LTV XXX% exceeding guidelines maximum of XXX%
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409045976
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3492
|
Patriot Act form not fully executed by all parties
|
No
|
The file is missing a fully completed and executed Patriot Act form for the co-borrower.
|
4.30.2026 Client provided executed Patriot Act for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409046018
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
|
|||||||||||||||
|
409046028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing current XXX month bank statements for all XXX accounts. Missing DU unable to determine if two months or one month is required for assets.
|
5/1 Client provided lock as XXX; Condition remains to provide XXX months statements for all XXX accounts
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046028
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
The AUS is missing. Program: XXX XXX YR
|
5/1 Client provided a lock changing loan review to XXX AUS not required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046044
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $
XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409046044
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing DU AUS as required by XXX XXX AUS 30 YR Guidelines
|
5.1.2026 Client provided DU AUS A/I submission #5
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $
XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409046060
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed properties. Total
required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
|
|
409046065
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
CD method of receipt E signed. Evidence of E consent provided in Pending Status. Missing E consent.
|
05/05/26 Client provided the Document Package Audit report reflecting the E-Consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409046065
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE method of receipt E signed. Evidence of E consent provided in Pending Status. Missing E consent.
|
05/05/26 Client provided the Document Package Audit report reflecting the E-Consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409046065
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST3078
|
Insufficient # of months cash reserves for PITI per guideline requirements
|
No
|
Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX liquid for asset depletion w/Borrower < XXX y/o; not met. Provide additional
liquid asset statements, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review.
|
4.30.2026 Client provided duplicate (in file) XXX #XXX XXX was previously reviewed; initial condition remains 5/19 Client asked for a review; upon review
Borrower has $XXX in liquid reserves and $XXX min required per GLs5/19 Client provided an approved exception to allow the file with $XXX reserves
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409046067
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 136 points above the minimum required score of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|||||||||||||||
|
409046136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
File is missing verification the alimony income of $XXX/month that was used to qualify will continue for at least XXX years past the note date and after the
borrower has remarried.
|
5.4.2026 Client provided snippet of divorce decree showing Termination of Alimony whichever event occurs first: Remarriage of the Wife is one of the event and
per vesting Borrower is married to name differ from XSpouse name on decree. Initial condition remains 5.7.2026 Client provided duplicate (in file) XXX #XXX verifying receipt of $XXX XXX- XXX and XXX- XXX(these are also in file) however per
decree even though verifying receipt of $XXX a month dont appear to be obligation due to being remarried which is one of the termination of Alimony: Remarriage of the Wife (whichever event occurs first). Condition remains evidence of receipt
is verified (in file) however continuance is not supported due to per decree: Termination of Alimony, remarriage of the Wife. Borrower is currently remarried. 5/13 Client provided the DD on review the retirement share of $XXX explicitly will
continue upon remarriage
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409046139
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline maximum XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI below guideline XXX below guideline maximum XXX%.
|
|||||||||||||||
|
409046141
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for > XXX months.
|
|
409046141
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX percent tolerance in the amount of $XXX due to Recording fee increased from $XXX on LE XXX to $XXX on initial CD XXX (within the max. allowable tolerance)
and further increase to $XXX on final CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund
|
05/08/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label for delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for > XXX months.
|
|
409046143
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $
XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409046183
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Eclosing fee in B. section on LE XXX (original amount $XXX, decreased to $XXX on final CD XXX) with no valid
reasons on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/21/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months rent payment history XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Provide XXX XXX price at application. Document in file only shows XXX week average.For XXX Lender used $XXX/month. Unable to follow the XXX worksheet lender provided to get to $XXX/month. Review calculated: $XXX/month. XXX shares
XXX + XXX XXX shares x XXX (XXX week low) / XXX. $XXX/month. XXXX $XXX + XXX $XXX/XXX. XXX declining. Provide additional documentation for using $XXX/month.. DTI will be over XXX% using review calculation.
|
5/4 Client provided XXX income calculation XXX price and variance due to additional 2nd 2024 Award was not counted supporting $XXX calculation
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation.
|
05/04/2026 Client provided the missing Initial CD XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal Review fee $XXX was added to final CD section B. No COC provided listing fee amount or any details as to why fee was added. No cure provided on final
CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXXw/ Proof of Delivery.
|
05/04/2026 Client provided COC XXX reflecting CDA fee required, fee added. Condition remains. Provide the change that occurred causing the report to be
required or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 05/06/2026 Client provided a processor certification reflecting CDA report is required when the SSR score is greater that 2.5. Supported
by UCDP report reflecting a CU score of 5.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI calculated at XXX% using revised $XXXXXX income
|
5/4 Client provided supporting docs for income calculations DTI XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046190
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide XXX XXX price at application. Document in file only shows 52 week average.For XXX Lender used $XXX/month. Unable to follow the XXX worksheet lender
provided to get to $XXX/month. Review calculated: $XXX/month. XXX shares XXX+ XXX XXX shares x XXX (XXX week low) / XXX. $XXX/month. XXX $XXX + XXX $XXX/XXX. XXX declining. Provide additional documentation for using $XXX/month.. DTI
will be over XXX% using review calculation.
|
5/4 Client provided XXX income calculation XXX price and variance due to additional 2nd 2024 Award was not counted supporting $XXX calculation
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046191
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Hazard insurance policy effective date XXX; disbursement date XXX.
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
|
|
409046206
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
|
|||||||||||||||
|
409046221
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing XXX months mortgage history
|
4/27 Client provided the mortgage history
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409046221
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence of taxes for XXX acres to support $XXX and taxes for XXX acres $XXX and taxes and insurance for XXX taxes and ins $XXX
|
4/27 Client provided LOX that the XXX acre property is the subject and XXX is vacant land; Provide revised XXX adding XXX to REO with evidence of taxes
.XXX.2026 Client provided updated XXX adding XXX to REO and verifying taxes of $XXX a month for this
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409046241
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
XXX department and XXX 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046241
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date: XXX; Disbursement date per final CD XXX.
|
5.4.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
5.4.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX> reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046242
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409046242
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation.
|
05/15/26 Client provided a missing XXX COC and a duplicate copy of the Final XXX CD (un-signed). Condition remains. Provide the Initial CD with acknowledgment of
receipt at least 3 days prior to Closing.05/21/26 Client provided the XXX CD Tracking confirming receipt onXXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409046242
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee increased from revised LE XXX $XXX to revised LE XXX $XXX, split POC final CD $XXX & $XXX. COC issued XXX does not list fee increase or any
details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
05/15/26 Client provided a missing XXX COC and a duplicate copy of the Final XXX CD (un-signed). Condition remains. The original increase occurred on the Revised
XXX LE. The XXX COC does not reflect a valid change reason for the increase. Borrower is due a refund of $XXX , PCCD with cure, LOE and proof of delivery with tracking.05/21/26 Client provided a XXX PCCD with cure, LOE, $XXX check and
tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX *XXX + REO $XXX * XXX = $XXX reserves required.
|
|
409046249
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing evidence to verify balloon note proceeds of $XXX were received by closing agent for this transaction as funds required to close.
|
5/5 Client provided Note and HUD with Proceeds $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409046261
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX or XXX months PITI exceed guideline requirement $XXX or XXX months (include XXX months REO)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
409046270
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing PITI documents for XXX
|
5.5.2026 Client provided evidence of $XXX used in DTI for this property, taxes, HOA and HOI verified and free and clear of liens with property profile and HOI.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409046279
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|||||||||||||||
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt / clarification of XXX REO disposition
|
4.28.2026 Client provided duplicate (in file) Lender Cash Flow Analysis however per initial condition stated difference in income calculation is due to: XXX%
ownership XXX $XXX used. Initial condition remains 5/6 Client provided sufficient documents
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
1. Borrower to provide LOE for the following in XXX Bank # XXX business account: a. 01/23 DEP RETURN CHARGEBACK XXXb. 01/23 DEP RETURN FEE XXX2. Lender to
provide cash flow analysis for XXX Bank # XXX business account. May be subject to additional conditions upon review.
|
4.28.2026 Client provided Lender LOX stating CCM has provided cash flow analysis. The LOE is not required as this is an AUS product and the cash flow analysis
details the business liquidity. Response, agree AUS file however initial condition remains and still missing cash flow asset business analysis for XXX Bank #XXX 5/4 client asked for a review; Upon review the LOX for Deposit charge back is
still required; also required Provide the UWs CFA using the business bank statements to ensure no negative impact to the Business for use of Bus assets5/5 Client provided additional Email; The cash flow analysis provided is not of the
Business asset account, LOX is required Condition remains 5/5 Client provided an approved exception to allow the file without the Updated letter from CPA for declining income; Condition remains for an analysis by the Underwriter of XXX Bank
account #XXX of which Borrower is XXX% Owner. The UW must confirm they have reviewed the Bus bank statements, deposits and cash flow, NSFs etc and determined no negative impact to the business 5/6 Client provided a cash flow analysis;
However, it is missing identifying information of the Borrower by loan number and missing Lender and Uw Name and date 5/6 Client provided the signed CFA
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH122
|
Foreclosure history does not meet guidelines
|
No
|
Per XXX Drive report: Lis Pendens on Subject property XXX; does not meet guidelines.
|
4.22.2026 Client provided some discharge mortgage documents, Lis Pendens document summary sheet along with Court document dated XXX in which appears to have been
a NOD and or Pre-Foreclosure. Condition remains for (a). explanation from Borrower regarding the documents provided along with the Lis Pendens on subject property on XXX, in which do not meet guidelines. In addition, (b). nothing is being
reported on credit report that was used by DU regarding this NOD/Pre-Foreclosure however showing as a NOD/Pre-Foreclosure (c). Guidelines: Pre-Foreclosure seven year waiting period is required from the completion date as reported on the
credit report or other documents. Condition remains 4.28.2026 Client provided LOX stating, A NOD is not considered derogatory credit. The borrowers CBR does not reflect any derogatory credit; CCM is underwriting to the XXX- BestEfforts*
Response, prior documentation do support there was some type of filing regarding this Pre-Foreclosure. Condition remains an NOD is a credit event; NOD dated XXX Condition remains 5/5 client provided an Email; Condition remains copy of lis
pendens is in the file confirming the credit event 5/6 Client provided LOX and Satisfaction of Lis Pendens dated XXX days after filing
|
Satisfied;XXX deems Non Material as in effect for XXX days, does not appear on credit
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide sufficient documentation supporting exclusion of XXX REO from DTI calc; REO is reflected on XXX Drive report. May be subject to additional conditions
upon review.
|
4.28.2026 Client provided LOX from borrower regarding ownership status of some properties however initial condition property was not addressed. Condition
remains for exclusion of XXX (address on DD Firm Drive Report), in addition LOX is not acceptable, documentation is acceptable to support borrower do not have any ownership with requested property. 5/5 Client provided a mortgage for XXX ; the
condition is for XXX5/6 Client provided an Email; on review the premises is indicated as XXX Property is commercial
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI134
|
Debt Ratio Exception =>10%
|
No
|
Max DTI XXX%Qualifying DTI is XXX%.Difference is from income calc: XXX% ownership XXX. $XXX used
|
4.28.2026 Client provided duplicate (in file) Lender Cash Flow Analysis however per initial condition stated difference in income calculation is due to: XXX%
ownership XXX. $XXX used. Initial condition remains 5/4 Client provided corrected 1003/1008 with income removed from XXX. using income from XXX to qualify , Bus property commercial Mtg removed; DTI updated to XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 60%
|
No
|
Max DTI XXX%Qualifying DTI is XXX%.Difference is from income calc: XXX% ownership XXX $XXX used
|
4.28.2026 Client provided duplicate (in file) Lender Cash Flow Analysis however per initial condition stated difference in income calculation is due to: XXX%
ownership XXX $XXX used. Initial condition remains 5/4 Client provided revised 1003/1008 with updated income DTI XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046284
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide updated findings due to >XXX% difference in DTI from differing income calcs. May be subject to additional conditions upon review.
|
4.28.2026 Client provided duplicate (in file) Lender Cash Flow Analysis however per initial condition stated difference in income calculation is due to: XXX%
ownership XXX. $XXX used. Initial condition remains 5/4 Client provided revised income calculation WS with income removed for XXX and using income from XXX LLC income and DTI discrepancy resolved
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409046288
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Provide a copy of the 1008
|
5.26.2026 Client provided Lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: error
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409046310
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history shows zero derogatory events since account opening XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|||||||||||||||
|
409046312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide 200 day moving average showing it belongs to XXX. Document in file does not show XX
|
5.4.2026 Client provided duplicate (in file) XXX income documents however initial condition requested for evidence of the XXX day moving average XXX price is for
XXX. Condition remains for XXX(employment) XXX day moving average XXX price for B2 XXX calculation. 5.8.2026 Client provided Employment: XXX, XXX. XXX day XXX price reflecting $XXX XXX price and Lender used $XXX ; monthly XXX income used is
supported for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046312
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide calculation for using $XXX/annual taxes for subject property
|
5.4.2026 Client provided calculation of monthly taxes used of $XXX (using rate of XXX% + $XXX additional XXX property)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409046327
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Exempt
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
B2 does not have 1 tradeline open for XXX months with activity within the past XXX months.
|
4/15/26 Client provided approved exception for: XXX does not have 1 tradeline open for XXX months with activity within the past XXX months.
|
Upon further review by XXXr, exception is deemed non-material due to > XXX in reserves and XXX% DTI
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash Reserves$XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409046327
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Exempt
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Use of 1 year vs 2 year's XXX Returns for B1 income, when XXX 5 years XXX.
|
4/15/26 Client provided approval for Use 1 year average vs 2 year for XXX income.
|
Upon further review by XXX, exception is deemed non-material due to > XXX in reserves and XXX % DTI
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Cash Reserves$XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409046330
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
409046330
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
05/21/26 Client provided the missing XXX Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
409046330
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX signed at closing on XXX is the only CD in file. Missing initial CD acknowledged by the borrower min 3 days prior to closing.
|
05/21/26 Client provided the missing 4/14 Initial CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
409046340
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
The application reflects a installment loan in the amount of $XXX with a payment of $XXX; however, the file does not contain any documentation to verify the
payment of $XXX per month.
|
5.7.2026 Client provided Lender LOX regarding removed the monthly solar due to borrower own solar panels free and clear they are not leased, neglected to remove
the monthly payment and Title review in file reflect having No UCC filing, fixture filing, etc. and provided updated 1003/1008 and DU removing the monthly payment for this Solar
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409046340
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
A
|
A
|
A
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
The Hazard Insurance Policy effective date is XXX, which is the after the Disbursement Date of XXX. A policy that is in effect as of the Disbursement Date is
required.
|
XXX provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
|
|
409046347
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
None of required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds minimum XXX.
|
|
409046365
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing.
|
05/04/26 Client provided the ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX =XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046365
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX =XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046365
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Home Warranty fee $XXX was added to section C of final CD. Fee subject to zero tolerance as service is not listed on SPL. No COC form provided listing fee or any
details as to why fee was added. No cure provided on final. Condition pending receipt detailed COC with fee's validated or additional Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery.
|
05/14/2026 Client provided missing interim Cd XXX with COC reflecting Borrower choice to purchase Home warranty and PCCD XXX with fee moved to the H section.
Condition remains for the LOE to the Borrower for the change made. 05/19/2026 Client requested review for LOE sent XXX. Condition remains as the LOE has not been received. 05/19/2026 Client provided LOE for change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX =XXX months reserves > program requirement of XXX months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409046732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence that ownership in property at XXX XXX CA is no longer the borrower's liability; documentation in file suggests possible sale from borrower's
company XXX to XXX in XXX, however none of the documents are final or executed.
|
5/19 Client provided an Email that " XXX report shows property transferred from possible family members in XXX" ; 1003 also confirms the property was a former
family residence. However, Condition pertains to recent transfers; documentation in file suggests possible sale from borrower's company XXX to XXX. in XXX, however none of the documents are final or executed. 5.21.2026 Client provided
property profile details for address: XXX that reflect current owner Primary name: XXX & XXX (our Borrower is XXX). Condition remains 5.22.2026 Client provided Lender LOX regarding this address XXX being the Borrower childhood property
and belonging to parents (Borrower and Father having same name) and with review of Borrower birthdate and data verify history appears parents have owned this property since XXX which further supports as being childhood home, parents home with
borrower birth year of XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409046732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.
Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere
existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form
in a same-lender refinance as a level B condition.
|
(No Data)
|
Initial & Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409046732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The fraud report reflects the borrower has possible ownership in the property located on XXX. The application reflects the property was the borrower's previous
primary residence. Provide documentation to verify the borrower has no ownership in the property. If the borrower does have ownership, the PITIA will need to be verified and added to the DTI.
|
5/19 Client provided an Email that " XXX report shows property transferred from possible family members in XXX" ; 1003 also confirms the property was a former
family residence. However, Condition pertains to recent transfers; documentation in file suggests possible sale from borrower's company XXX to XXX. in XXX, however none of the documents are final or executed. 5.21.2026 Client provided
property profile details for address: XXX that reflect current owner Primary name: XXX & XXX (our Borrower is XXX). Condition remains 5.22.2026 Client provided Lender LOX regarding this address XXX being the Borrower childhood property
and belonging to parents (Borrower and Father having same name) and with review of Borrower birthdate and data verify history appears parents have owned this property since XXX which further supports as being childhood home, parents home with
borrower birth year of XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409046732
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
The loan was approved under the XXX Program with a DU. The file is missing the required DU.
|
5.19.2026 Client provided DU A/I submission #8 dated 5.1.2026
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
|
|
409046929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program/exception requirement of $XXX.
|
|
409046929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Zero tolerance in the amount of $XXX due to added CDA fee on LE XXX with no valid reasons documented on COC XXX. Lender's credit in the amount of $XXX as a
principal reduction on PCD XXX is not sufficient to cover it and additional $XXX is required. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that
includes tracking information
|
05/15/2026 Client provided PCCD XXX with $XXX of appraisal fee moved to Lender paid column with LOE, loan transaction history showing additional amount applied
and shipping label for delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program/exception requirement of $XXX.
|
|
409046929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Income from wage-earner and XXX used for qualifying Borrower 1 without a XXX year history. *XXX exception approval in file.
|
5/22 Client provided an approved exception to allow the file without the XXX year employment history
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program/exception requirement of $XXX.
|
|
409046932
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing in file
|
04/29/26 Client provided the ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1746: Significant housing expense reduction
- XXX Comments: Mortgage payment reduced from $XXX to $XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
409046932
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Discount Points by $XXX and increase in Appraisal fee by $XXX on LE XXX with no valid reasons documented
on COC XXX (file is missing a rate lock with updated points for excluding escrows and COC doesn't indicate any change for Appraisal fee) Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof
of delivery via shipping that includes tracking information.
|
04/29/26 Client provided another XXX COC. Condition remains. The Points increase is valid with the escrow change, however there is still no valid
reason/explanation for the Appraisal Fee increase. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.05/14/26 Client provided another copy of the XXX COC and the following Seller
comment: Please see attached COC 4.2 Appraisal cure is valid; but for the points the COC states charges changed due to escrows added/removed. Please see escrow waiver and rate lock confirmation. Condition remains. As stated in the prior
update on XXX, the Points increase has been validated. The Appraisal increase is the only remaining violation. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery that includes tracking information.05/21/26 Client
provided a XXX PCCD, $XXX check, LOE and tracking (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1746: Significant housing expense reduction
- XXX Comments: Mortgage payment reduced from $XXX to $XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
409046953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Discount Point Fee increased from Final LE XXX of $XXX to Initial CD XXX in an amount of $XXX. Missing a valid Change of
Circumstance/ Rate Lock Extension, or Post Close CD, LOE and copy of refund check to borrower with proof of shipping including tracking.
|
05/12/26 Client provided a duplicate copy of the last LE and initial CD along with the missing XXX COC for the Lock Extension and Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has XXX months of PITI available in reserves; XXX months required.
|
|
409046955
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP2129
|
XXX Counseling Notice not in file
|
No
|
XXX Counseling Notice not in file
|
05/13/2026 Client provided Notice regarding Housing Counseling (XXX) reflecting the verbiage for recommendation of Homebuyer education or housing Counseling
dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409046971
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance $XXX due to increase in origination charge on CD XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and
verification of shipping.
|
05/20/26 Client provided a missing XXX COC and Revised LE for the Lock and Loan Amount/Fee changes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409046971
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings with approve/ineligible or eligible status, required to be present for XXX XXX Program.
|
5.19.2026 Client provided DU A/I submission #6 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409046984
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX percent tolerance in the amount of $XXX due to following increase: Recording Fees increased from $XXX to $XXX on final CD XXX with no valid COC in file.
Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund.
|
05/15/2026 Client provided PCCD /12 with cure, copy of cure check, LOE and shipping label for delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409046992
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history 102 months exceeds guideline min of 24 months.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score 759 exceeds guideline minimum 720.
|
|||||||||||||||
|
409046994
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Eclosing fee on LE XXX with no valid COC in file. File is missing final CD, and if applicable any revised
CD(s), to identify final fees and testing. Additional conditions may apply.
|
05/05/26 Client provided a duplicate copy of the XXX COC, XXX LE and a new XXX PCCD. Condition remains. The new PCCD does not reflect the $XXX eClosing Fee. For
further testing, provide the missing XXX Final CD and the signed/stamped Final ALTA/Settlement Statement. Subject to re-testing. Additional conditions may apply.05/07/2026 Client provided the Final CD XXX with final Alta, which do not
reflect an eClosing fee however, also provided PCCD XXX, LOE, copy of $XXX refund check and shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046994
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation.
|
No
|
XXX percent tolerance in the amount of $XXX due to Recording fee increase from $XXX on initial LE XXX to $XXX on initial CD XXX. File is missing final CD, and if
applicable any revised CD(s), to identify final fees and testing. Additional conditions may apply.
|
05/05/26 Client provided a duplicate copy of the XXX COC, XXX LE and a new XXX PCCD. Condition remains. The new PCCD reflects a reduced Recording Fee. For
further testing, provide the missing XXX Final CD and the signed/stamped Final ALTA/Settlement Statement. Subject to re-testing. Additional conditions may apply.05/07/2026 Client provided the Final Alta reflecting lowered recording fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046994
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the XXX Calculated Total Payment Amount
|
No
|
05/05/26 Client provided a XXX PCCD. Re-testing results in an understated Total of Payments at Consummation of $XXX (The file only contains the Initial XXX CD
which has been used for testing). File appears to be missing the Final CD signed at Consummation on XXX. For further testing, provide the missing XXX Final CD. Subject to re-testing. Additional conditions may apply.
|
05/07/2026 Clint provided the missing Final CD, along with PCCD and Final Alta which reflect a lower PPI by $XXX.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046994
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID5291
|
TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate
|
No
|
Initial CD XXX is the only CD in file. IEADS in file indicates monthly escrows in the amount of $XXX, Initial CD XXX monthly escrow amount is $XXX. File is
missing final CD for further testing.
|
05/05/26 Client provided a corrected XXX PCCD. Condition remains. Provide the missing XXX Final CD and signed/stamped Final ALTA/Settlement Statement. Subject to
re-testing.05/07/2026 Client provided the missing Final CD executed at closing with correct escrow amount.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046994
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender to provide an ATR/QM status determination.
|
5.6.2026 Client provided Lender XXX w/QM Safe harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years with current employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|
409046997
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has resided at current residence for XXX years
|
|
409047002
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409047022
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing revised/ last LE XXX and initial CD XXX acknowledged by borrowers as received.
|
05/15/2026 Client provided missing Last LE XXX and Initial CD XXX with e-sign process summaries for each reflecting Disclosures sent. Condition remains for
evidence of delivery a minimum of 3 days prior to closing. 05/21/2026 Client provided a duplicate CD XXX e-signed on XXX with disclosure history for receipt with no product change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409047022
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD XXX acknowledged by borrowers min 3 days prior to consummation date of XXX
|
05/15/2026 Client provided missing Last LE XXX and Initial CD XXX with e-sign process summaries for each reflecting Disclosures sent. Condition remains for
evidence of delivery a minimum of 3 days prior to closing. 05/21/2026 Client provided a duplicate CD XXX e-signed on XXX with disclosure history. Condition still remains for the evidence of delivery of the LE XXX a minimum of 3 days prior to
closing. 05/22/2026 Client provided disclosure history reflecting Borrower received last LE on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409047022
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
DU findings were not updated with the Unfrozen credit report for B2.
|
5.18.2026 Client provided updated DU submission #5 however B2 scores still reflecting as one score vs all three bureau scores. Condition remains, per AUS
guidelines: Credit report-Frozen Bureaus identified as frozen are required to be unfrozen and a current credit report will all bureaus unfrozen is required. 5.20.2026 Client provided duplicate (previously provided) DU AUS #5; prior update
remains. XXX Client asked for a review; Upon review the Frozen warning error was cleared with DU #5 the credit report # matches that reviewed with CB unfrozen and not scored
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX / Subject PITI $XXX = XXX months reserves > program requirement of XXX months.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409047029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing DU AUS
|
5.13.2026 Client provided DU AUS submission #4 approval
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Insurance
|
Satisfied
|
A
|
A
|
A
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Hazard Insurance policy effective date XXX; disbursement date XXX
|
(No Data)
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing DU AUS Findings per 1008
|
5.13.2026 Client provided DU AUS submission #4 approval
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves for $XXX exceed guideline requirement of $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047036
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Co-Borrower has XXX years in the same profession.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
|
|
409047395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing
|
05/19/2026 Client provided approved exception request for missing Affiliate Business Disclosure.
|
Initial and final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX (second home XXX months plus XXX months for XXX borrower) = $XXX reserves required for subject. REO reserves - $XXX
* XXX = $XXX reserves required for other financed properties. Total required reserves $XXX.
|
|
409047395
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Verified DTI is XXX%. Guidelines allow up to XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX (second home XXX months plus XXX months for XXX borrower) = $XXX reserves required for subject. REO reserves - $XXX
* XXX = $XXX reserves required for other financed properties. Total required reserves $XXX.
|
|
409047415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing the final, fully executed settlement statement from the sale of borrower's departing residence verifying net proceeds of no less than $XXX.
Preliminary settlement statement only was provided in the file.
|
4/28 Client provided an email that in XXX they do not have to get the final XXX signed"; condition remains for the settlement statement marked Final by the
closing agent 5.4.2026 Client provided executed Final HUD-1 from sale of property: XXX. with payoff of existing lien and net proceeds $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 86 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
|
|
409047415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
File is missing the hazard insurance.
|
5.12.2026 Client provided subject HOI policy with sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 86 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
|
|
409047415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Condition added with receipt and review of HOI policyHOI policy effective date XXXSubject disbursement date XXXInsurance effective date (XXX) is greater than the
transaction date (XXX)
|
5/12 Client provided an approved exception to allow the file with insurance effective XXX and disbursement XXX
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is 86 points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
|
|
409047446
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409047472
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
File is missing fully executed Patriot Act form or IDs for each borrower.
|
5.19.2026 Client provided copy of both borrowers ID verification
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409047506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|||||||||||||||
|
409047524
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409047524
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD
|
05/14/2026 Client provided missing XXX Initial CD with XXX XXX for delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409047524
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing initial CD in file. Per XXX disclosure tracking and XXX in file, initial CD was issued XXX. Please provide CD, acknowledged by the borrowers min 3 days
prior to closing date, for further testing.
|
05/14/2026 Client provided missing XXX Initial CD with XXX for delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|
409047538
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
|
|||||||||||||||
|
409047549
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX or XXX months PITI exceed guideline requirement of $XXX or XXX months.
|
|||||||||||||||
|
409047553
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrowers have both been XXX for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409047575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX = XXX months reserves > program requirement of XXX months ($XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409047575
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP111
|
Legal Nonconforming w/out Rebuild Letter
|
No
|
Appraisal indicates subject zoning as Legal Nonconforming; File is missing evidence property can be XXX% rebuilt and/or appraiser analysis of marketability
impact.
|
5.4.2026 Client provided updated appraisal showing as Legal vs Legal nonconforming.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITIA $XXX = XXX months reserves > program requirement of XXX months ($XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409047582
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves $XXX exceeds guide lines.
|
|||||||||||||||
|
409047612
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409047636
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds the guideline minimum credit score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|||||||||||||||
|
409047647
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409047703
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3658
|
TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance
|
No
|
Initial CD XXX APR XXX%Revised CD XXX APR XXX%Revised CD's APR increased by more than allowable XXX% and reset the 3 day waiting period before loan could close.
Borrower was not provided full 3 days waiting period as loan closed on XXX
|
05/14/26 Client provided a copy of the XXX Final CD and Email stating the Final they signed, dated and issued on XXX was at XXX APR. Condition remains. Review by
internal Compliance counsel confirms the exception is valid. If the Final CD fixed an inaccurate APR, or any other additional waiting period triggers, it would have to be received at least 3 business days before closing (this does not
preclude an identical CD being provided at closing).05/15/26 Client provided a response stating they confirmed there were no changes to the loan product, note rate, finance charges, or other material loan terms that would have resulted in a
valid APR increase. The APR on CD XXX was the result of a disclosure error of fees incorrectly reflected as borrower-paid (buydown fee). As a result, the APR calculation did not accurately reflect the consummated transaction terms. The XXX
CD utilized the accurate APR. The loan was reviewed/ran by counsel and it was decided we can characterize this as a clerical error and not require a new waiting period.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX which include XXX months for departing residence + REO.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047703
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
XXX granted exception for departing residence XXX: Exception requested for the departing residence having < XXX% equity and needing to omit the mortgage
payment. The current home is listed for sale at $XXX but the appraisal came in at $XXX which is an XXX% LTV.
|
Client provided approved exception for departing residence not having XXX% equity needed to omit the mortgage.
|
Final Grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX which include XXX months for departing residence + REO.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409047705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit
or refund provided
|
No
|
Discount points increased from initial CD XXX $XXX to revised CD XXX $XXX & Appraisal fee $XXX was added to final LE XXX section B. COC issued XXX does not
list any details as to why points increased. No Rate Lock pricing provided to indicate any change in loan amount, expiration date or LTV to validate this increase & COC issued XXX does not list any details as to why appraisal fee was
added. Cure provided of $XXX for Credit Report & Verification fee increase, insufficient to satisfy. Condition pending receipt detailed COC forms with fees validated or Post CD reflecting lenders cure, LOX, total Refund of $XXX w/ Proof
of Delivery.
|
05/06/26 Client provided the Lock Form reflecting the list of Lock changes, including an adjustment on XXX. Condition remains. There is still a tolerance
violation of $XXX for the additional Appraisal fee added on LE XXX. Provide borrower with a $XXX refund, PCCD, LOE and proof of delivery.05/19/2026 Client provided PCCD XXX with additional cure, copy of cure check, LOE and shipping label for
delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
409047709
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no
violation.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409047709
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing ATR/QM Determination
|
5/5 Client provided the XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409047743
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2478
|
Missing Legal Documentation
|
No
|
As per 1008 and final CD in file, seller paid towards BuyDown rate. A copy of executed BuyDown Agreement is missing in file.
|
05/22/26 Client provided the Buydown Agreement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%
|
|
409047761
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX; XXX min.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%; XXX% max.
|
|||||||||||||||
|
409047781
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
|
|
409047781
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing documentation for the newly opened XXX account #XXX with balance $XXX and monthly pmt $XXX
|
5.14.2026 Client provided Lender rebuttal regarding LOX from borrower stating this yes credit was extended and was opened to take advantage of a XXX% balance
transfer option, I have since paid if off in full and provided UDM fraud guard showing payment $XXX and balance $XXX which was added to DTI and listed on 1003; accepting provided documentation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
|
|
409047785
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage payment history shows no derogatory events since account opening XXX
|
|||||||||||||||
|
409047849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.Provide Credit Report. Report in file is not legible.
|
5.26.2026 Client provided Credit report used in DU dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
|
|
409047849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing legible credit report
|
5.26.2026 Client provided Credit report used in DU dated XXX , subject mtg being paid off history on credit report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
|
|
409047849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Missing legible credit report
|
5.26.2026 Client provided Credit report used in DU dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
|
|
409047849
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH183
|
Credit report incomplete
|
No
|
Provide Credit Report. Report in file is not legible.
|
5.26.2026 Client provided Credit report used in DU dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
|
|
409047855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
The application reflects the borrowers own 2 investment properties both located on XXX The file is missing evidence that the properties are owned free and clear.
In addition, the file is missing evidence of the property taxes, insurance and HOA.
|
5/5 Client provided property reports showing land Travel lots with taxes
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409047855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note provided w/ Electronic Signature not permitted. Executed Note w/ Wet Sign not provided. Missing executed Note.
|
5/5 Client provided 2 pages of a Note missing the signature page5.8.2026 Client provided all three (3) pages of subject executed Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409047855
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
The file is missing the updated valuation to support the appraised value of $XXX.
|
5/5 Client provided a CDA supporting the appraised value with a XXX% variance
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject. REO reserves - $XXX * XXX = $XXX reserves required for other financed
properties. Total required reserves $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI is XXX%. Guidelines allow up to XXX%.
|
|
409047870
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure missing in the file. Lender has used Affiliate for Appraisal Management service.
|
05/13/26 Client provided the ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409047870
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409047871
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX
Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B1 and B2 have been in the same line of work for XXX years
|
|
409047872
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|||||||||||||||
|
409047887
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|||||||||||||||
|
409047962
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at their current residence for XXX years.
|
|||||||||||||||
|
409047963
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not
offer one are selected
|
No
|
No designation is selected for if borrower "Declined" or if "Lender does not offer" escrow account in the loan disclosures section of the final CD.
|
05/21/2026 Client provided PCCD XXX with correction, LOE and shipping label.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX )
|
|
409047963
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing ATR/QM Determination
|
5/18 Client accepts determination of SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX )
|
|
409048500
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD XXX method of receipt E signed. Evidence of E consent provided in pending status. Missing E consent.
|
05/12/26 Client provided the Document Package Audit Report reflecting all E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409048500
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Initial LE XXX method of receipt E signed. Evidence of E consent provided in pending status. Missing E consent.
|
05/12/26 Client provided the Document Package Audit Report reflecting all E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409049287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO XXX * XXX = $XXX reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
|
|
409049287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP2556
|
Acreage exceeds property eligibility guidelines
|
No
|
Subject property is XXX acres exceeding the 40 acre max.
|
5.19.26- upon further review XXX deems the guideline violation as non-material due to following compensating factors: XXX% DTI; XXX % max, XXX qualifying FICO;
XXX min, same profession for XXX years, XXX mo. XXX mortgage payment history; XXXxXXX required, and $XXX in verified reserves with $XXX required. Additional condition of XXX% LTV max has been met.
|
5.19.26- waived.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO XXX * XXX = $XXX reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
|
|
409049338
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, F, & H are not disclosed on Final CD XXX Seller's CD in file & able to test; Condition
Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
409049364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing Hud-1 from sale of departing residence to support exclusion of PITIA from DTI.
|
5.4.2026 Client provided executed Final HUD-1 and Seller CD for sale of departure: w XXX with payoff of existing lien and netting proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409049364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409049364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide missing Hud-1 from sale of departing residence to support proceeds for cash to close (used per 1003 and AUS findings), Subject to asset recalc and may be
subject to additional conditions upon review.
|
5.4.2026 Client provided executed Final HUD-1 and Seller CD for sale of departure: w XXX with payoff of existing lien and netting proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409049364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Provide missing Hud-1 from sale of departing residence to support: a. proceeds for cash to close (used per 1003 and AUS findings), and b. exclusion of PITIA from
DTI. Subject to asset and DTI recalc. May be subject to additional conditions upon review.
|
5.4.2026 Client provided executed Final HUD-1 and Seller CD for sale of departure: w XXX with payoff of existing lien and netting proceeds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% qualifying LTV
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409049368
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX ( include XXX months for subject PITI plus XXX months for each financed REO).
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409049376
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Total post close assets $XXX - Asset Depletion $XXX = $XXX , XXX mo's PITIA, guidelines require XXX months + XXX mo's for the departing REO.
|
|||||||||||||||
|
409049384
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|||||||||||||||
|
409049388
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form .
|
5/5/26 Client provided an approved exception for using incorrect ROR form
|
5/5/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|
409049391
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409049398
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee increased from LE XXX $XXX to initial CD XXX $XXX section B. No COC provided listing fee amount or any details as to why fee increased. Cure
provided on final CD $XXX insufficient to satisfy. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, total Refund of $XXX w/ Proof of Delivery.
|
05/12/26 Client provided a XXX PCCD, LOE, refund check and tracking (shipment confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
|
|
409049398
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
CD method of receipt E signed. Evidence of E consent provided in pending status. Missing E consent.
|
05/05/26 Client provided the Document Package Audit Report reflecting the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
|
|
409049398
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE method of receipt E signed. Evidence of E consent provided in pending status. Missing E consent.
|
05/05/26 Client provided the Document Package Audit Report reflecting the E-Consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
|
|
409049412
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Insured amount of $XXX< Note amount of $XXX.
|
5/14 Client provided correct title with loan amount of $XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409049415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
Non-QM: Lender documented all ATR UW factors
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
IRA Distribution income of $XXX/mo. being used to qualify the borrower does not meet XXX XXX guideline stating Distributions cannot be set up solely for loan
qualification purposes.
|
5/27 Client provided an approved exception
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX,
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409049415
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
Non-QM: Lender documented all ATR UW factors
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Borrower is qualified using IRA Distributions of $XXXmo. from XXX IRA account, supported by a letter from XXX stating that borrower has initiated a $XXX monthly
distribution from her IRA with start date XXX. Borrower DOB is XXX, XXX. short of XXX years old. XXX Exception Request approved XXX to use IRA Distribution as an income source for a borrower who is not yet XXX years old was provided. XXX
XXX and FNMA do not have age restrictions on IRA Distributions, however XXX Program specifically states, Distributions cannot be set up or changed solely for loan qualification purposes. and therefore SR XXX Review cannot validate the
exception request. Borrower would also not qualify for Asset Depletion with the exception request for under XXX years old given the requirement of using all available funds at XXX% rate of over life of the loan (XXX years): $XXX *.XXX =
$XXX/mo.
|
5/27 Client provided an approved exception to allow the file with distribution income under age XXX and distribution set up for qualification
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX,
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; max XXX%.
|
|
409049418
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per Title in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form
|
5/4/26 Client provided an approved exception for using incorrect ROR form
|
5/4/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below guideline maximum XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
|
|
409049433
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliated business disclosure missing from file, pending copy provided to borrower.
|
05/11/2026 Client provided signed letter of no Affiliates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409049433
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form.
|
5/5/26 Client provided an approved exception for using incorrect ROR form.
|
5/5/26 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409049435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fee that should be disclosed in Section F is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post-closing assets $XXX/ Subject PITI $XXX = XXX months reserves > program requirement of XXX months ($XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409049447
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
|
|||||||||||||||
|
409049651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409049651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Appraisal fee increased by $XXX on LE XXX with no valid reasons documented on COC XXX. Tolerance cure required for $XXX. Condition is pending receiving a valid
Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/07/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery. 05/12/26 Client
provided the delivery confirmation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409049651
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide 1008
|
5.7.2026 Client provided Lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409049653
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409049710
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.
|
|||||||||||||||
|
409049735
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Initial Closing Disclosure missing in the file (XXX) acknowledged by the borrowers min 3 days prior to closing date.
|
05/06/26 Client provided the XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1737: LTV below guideline requirements
- XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
409049735
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1737: LTV below guideline requirements
- XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX% Max DTI allowed is XXX%
|
|
409049737
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|||||||||||||||
|
409049748
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been living at current residence for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds minimum XXX.
|
|||||||||||||||
|
409049789
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal fee by $XXX on LE XXX (with no valid reasons as to why fee increased on COC XXX) and increase
in Discount Points on CD XXX by $XXX with reasons documented on COC XXX as to "Interest rate increased/ Discount Charge decreased" Fee has increased and not decreased as per COC. Condition is pending receiving PCD reflecting lenders cure, LOE
to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
05/13/26 Client provided a XXX Email from the Appraisal Co. indicating a fee increased for the complexity of the property, along with the following Seller
comment: The interest rate increased from XXX% to XXX% and the loan program was changed from XXX Jumbo Plus 30 Yr to XXX Best Efforts XXX 30 year fixed with a 15-day lock extension. A program change triggered the change of circumstance,
therefore the bwr was properly disclosed and CCM is within TRID compliance. XXX Appraisal fee increased from $XXX to $XXX; COC advised due to complexity. Also an email was provided on XXX, from the appraiser through the vendor that indicated
the subject property appears this home is over $XXX. Please advise if the home was torn down and a new one built. The appraiser is requesting a fee of $XXX due to the added complexity CCM disclosed as soon as notification was given of the
increased fee amount. Invoice supports the Appraisal extra charge for the complexity.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at present job
|
|
409049793
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Determine status upon review / receipt of missing 2023 1120s
|
5.11.2026 Client provided 2025/2024 w2 transcripts (file have 2025 w2 as well) and provided duplicate in file (Lender income worksheet considering 2024 income vs
two years income). Condition remains, still missing (a). 2023 1120s business returns due to business less than XXX years existence (along with signed/dated) and (b). missing 2023 1040 Personal returns (along with signed/dated) and (c).
missing Lender calculation using two years vs one year calculation, all requested per initial condition. Subject to full income recalculation upon receipt and review. 5/15 Client removed business income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current residence
|
|
409049793
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender to provide an ATR/QM status determination.
|
5.11.2026 Client provided Lender XXX w/QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current residence
|
|
409049793
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
1120s XXX, LLC established XXX. In file: 2025 1120s extension, 2024 1120s returns.Per findings: 'If the business has been in existence for less than five years,
provide individual and business tax returns for the most recent two years.' (Signed/dated as required); please provide. Subject to full income recalc and may be subject to additional conditions upon review.
|
5.11.2026 Client provided 2025/2024 w2 transcripts (file have 2025 w2 as well) and provided duplicate in file (Lender income worksheet considering 2024 income vs
two years income). Condition remains, still missing (a). 2023 1120s business returns due to business less than XXX years existence (along with signed/dated) and (b). missing 2023 1040 Personal returns (along with signed/dated) and (c).
missing Lender calculation using two years vs one year calculation, all requested per initial condition. Subject to full income recalculation upon receipt and review. 5/15 Client provided revised 1003/1008 and LPA removing XXX LLC bus income
from qualifying DTI XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years XXX months at current residence
|
|
409049910
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS DU #XXX showing XXX that was used by lender in decision. Additional review required.
|
5.21.2026 Client provided Lender DU Approve/Eligible submission #4 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
|
|
409049934
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|||||||||||||||
|
409049939
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM
status.
|
No
|
Missing evidence to either verify the departure residence PITIA payments, or evidence the T/I is escrowed into the mortgage payment.
|
5.19.2026 Client provided MTG statement for departure home verifying PITIA of $XXX and LOX from Borrower no monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409049939
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409049939
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to either verify the departure residence PITIA payments, or evidence the T/I is escrowed into the mortgage payment.
|
5.19.2026 Client provided MTG statement for departure home verifying PITIA of $XXX and LOX from Borrower no monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409049953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409049953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Closing date XXX. Final LE issued XXX. No confirmation of receipt of final LE. Loan consummated before end of waiting period
|
05/11/26 Client provided the full disclosure tracking details confirming receipt on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409049953
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date XXX is greater than the transaction date of XXX. Per final CD disbursement date is XXX
|
5.5.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review.
|
5.5.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $
XXX)
|
|
409050004
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: 808 mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with the same employer.
|
|
409050026
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Appraiser to provide a photo of the family room
|
5/13 Client provided an approved exception to allow the file without photo pf the living room
|
Upon review by XXX SR UW; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409050035
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409050088
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower XXX years at current employment
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history XXXxXXX
|
|||||||||||||||
|
409050090
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|
409050107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409050116
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXXxXXX required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with the same firm for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409050295
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX
|
|
409050316
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|
409050317
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score is XXX. Guidelines require XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in reserves; $XXX * XXX = $XXX reserves required for subject.
CFCFS3836: Borrower Net Worth
- XXX Comments: Borrowers have verified assets of $XXX after XXX years of income continuance, closing and down payment funds and reserves are deducted from the
borrowers' assets.
|
|||||||||||||||
|
409050348
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|
409050351
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
File is missing copy of complete title commitment (Only Schedule B in file)
|
5/14 Client provided the Title
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409050384
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409050384
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing evidence departure residence for Borrowers 3 and 4 is owned free and clear and evidence of taxes and insurance. (total expense per 1003 $XXX)
|
5.15.2026 Client provided copy of taxes and HOI supporting B3/B4 taxes/insurance totaling $XXX used per REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409050476
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXX reserves required.
|
|
409050523
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX years
|
|
409050530
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC126
|
Length of employment/self-employment does not meet guidelines
|
No
|
Utilizing Guaranteed Payments with less than 2 years receipt. Borrower has XXX years as an XXX, previous employer paid W-2. He changed XXX as of XXX and is now
paid via K1 reflecting Guaranteed Payments. Borrower provided distribution summary from start of employment to XXX.
|
5/8 Client provided an approved exception to allow the file without XXX years receipt of guaranteed payments
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months mortgage payment history XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050726
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of business.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
409050728
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
XXX percent tolerance in the amount of $XXX due to increase in Recording fee from $XXX on initial LE XXX to $XXX on final CD XXX with no valid COC in file.
Lender's credit for tolerance cure in the amount of $XXX was applied as following : $XXX for added State Tax and $XXX for increase in Recording fee but is not sufficient to cover it. Condition is pending receiving PCD reflecting lenders cure,
LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that includes tracking information.
|
05/21/26 Client provided a XXX PCCD with cure, LOE and shipping label (delivery confirmed). Condition remains for a copy of the $XXX refund check.05/22/26 Client
provided the refund check.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have > XXX months mortgage payment history XXX. XXXxXXX required.
|
|
409050762
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
ATR/QM determination not located in file
|
5.22.2026 Client provided Lender XXX w/QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement for $XXX for Subject PITI $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409050818
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets for reserves is sufficient to cover required $XXX.
|
|||||||||||||||
|
409050877
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or ( $ XXX X XXX =
$ XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409050889
|
XXXXXX
|
XXXXXX
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing a current HOA dues bill for the investment condo at XXX
|
4.16.2026 Client provided LOX email verifying monthly HOA of $XXX a months for requested propertyLender LOX stating, Email from management company of condo; HOA
of $XXX was included in qualifying per uw worksheet. This email was included in the initial upload. Kindly Overturn Finding.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX DTI below guideline of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX FICO exceeds guideline of XXX.
|
|
409050890
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
4.3.2026 Client provided Lender Compliance Ease Report w/QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has significant time at current job of XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV at XXX% below guideline requirements of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI at XXX% below guideline requirement of XXX%
|
|
409050891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing Lender Ability to Repay/Qualified mortgage status determination form.
|
3.26.2026 Client provided Lender XXX Report however did not find on this report lender QM status determination. Condition remains for Lender QM status
determination 4.2.2026 Client provided LOX stating, The QM Determination is on page 2 of the XXX . Kindly overturn or advise what is acceptable to cure this finding. Response, re-reviewed XXX Report and did not locate the QM status
determination of QM Safe Harbor, etc. and did not locate it on pg 2 of Client LOX stating was on pg 2. Condition remains, further clarify where QM Safe Harbor status determination is stated on this Report or provide acceptable other
documentation that supports the QM status (XXX can be another acceptable documentation with QM status). Condition remains 4.7.2026 Client provided LOX stating, This is an FHA Loan. FHA-insured mortgages are considered Qualified Mortgages
(QMs) and are deemed to comply with the Ability-to-Repay (ATR) rule, as long as they are originated in accordance with FHA requirements and remain FHA-insured. Kindly overturn finding. Response, file was review to Conventional not FHA and per
documents in file along with 1008 this is Conventional Loan type. Condition remains for missing QM status determination. 4.8.2026 Client provided LOX stating, My mistake. I must have been looking at the wrong loan. This is a Jumbo file.
Please disregard prior comment. Response, condition remains for QM status determination. 4.10.2026 Client provided LOX stating, If the XXX is not acceptable to confirm ATR/QM, please advise what you will accept. Response, generally a XXX is
acceptable if it reflect the QM status, however for this file QM status determination not found on this XXX, any other documentation is acceptable as long as it reflect the QM status determination (XXX Report, etc) 4.13.2026 Client provided
LOX stating, The XXX was provided. Please re-review. Response, the XXX Report previously provided was reviewed and do not reflect QM status, also in findings detail: it status The qualified Mortgage DTI threshold was not tested against this
loan for one of the following reasons, this loan does not contain enough information to calculate the QM DTI. Without this information, the qualified mortgage DTI threshold finding cannot determine if the loan qualified mortgage DTI is within
the tolerance, etc. 4.15.2026 Client provided LOX stating, Uploaded the LDL showing DTI. This along with the Final 1003 and AUS Finding show sufficient evidence of the DTI used to confirm ATR. Kindly overturn finding. Response, this is not
the documentation that is needed, I was referring to the message remarks on the XXX report meaning possibly the reason the QM status was not available on the XXX report due to the info I stated previously, possibly need to make corrections in
the system and re-run/update the Compliance Report for QM status determination, currently the Compliance Report previously provided do not reflect the QM status determination. 4-17-2026 - Client provided QM status or QM- Safe Harbor APOR
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for over XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum XXX% guideline requirement.
|
|
409050928
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Exempt
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
|
|
409050949
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months rent payment history XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|||||||||||||||
|
409051068
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX.
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrower has XXX for XXX months.
|
|||||||||||||||
|
409051077
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409051154
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
HOI dwelling coverage $XXX. Required Coverage $XXX.
|
5.26.2026 Client provided HOI email regarding replacement cost, home insured to the value of the RCE and added extended replacement cost on the home for an
additional XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
Client Name:
|
||||
|
Client Project Name:
|
SEMT 2026-8
|
|||
|
Start - End Dates:
|
3/4/2026 - 5/22/2026
|
|||
|
Deal Loan Count:
|
187
|
|||
|
Conditions Report 2.0
|
||||
|
Loans in Report:
|
187
|
|||
|
Loans with Conditions:
|
143
|
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
409039777
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409039809
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
No
|
|
409041666
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042148
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409042178
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409042337
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409042413
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
No
|
|
409042440
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042521
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409042536
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042547
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409042714
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409042909
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409042911
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043021
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409043050
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409043067
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409043085
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409043092
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Yes
|
|
409043098
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409043132
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409043170
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043179
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043354
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409043475
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043542
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409043546
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
No
|
|
409043563
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
No
|
|
409043574
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409043731
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
B
|
B
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409043759
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409044051
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409044179
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409044387
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409044391
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409044594
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
D
|
B
|
B
|
B
|
D
|
A
|
C
|
B
|
Not Applicable
|
|
409044602
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409044605
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409044749
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409045022
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409045164
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
No
|
|
409045166
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409045312
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045436
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045495
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409045501
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045518
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409045546
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045582
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
Not Applicable
|
|
409045585
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409045596
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045614
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045676
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045682
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409045727
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409045975
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409045976
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046018
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046028
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046044
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046060
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046065
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
A
|
No
|
|
409046067
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046136
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046139
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409046141
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409046143
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046183
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409046190
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409046191
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046206
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046221
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409046241
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046242
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409046249
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046261
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046270
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046279
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046284
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409046288
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046310
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409046312
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409046327
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Yes
|
|
409046330
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409046340
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046347
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409046365
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409046732
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409046929
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409046932
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409046953
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409046955
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409046971
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409046984
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409046992
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409046994
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409046997
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047002
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047022
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409047029
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409047036
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047395
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409047415
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047446
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047472
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047506
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047524
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409047538
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047549
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047553
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047575
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409047582
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047612
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047636
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047647
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047703
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Yes
|
|
409047705
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409047709
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047743
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409047761
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047781
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047785
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409047849
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409047855
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409047870
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409047871
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047872
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047887
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047962
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409047963
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409048500
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409049287
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Yes
|
|
409049338
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049364
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409049368
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049376
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049384
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409049388
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409049391
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049398
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409049412
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049415
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409049418
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
No
|
|
409049433
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409049435
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049447
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049651
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409049653
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049710
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409049735
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409049737
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049748
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049789
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409049793
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409049910
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409049934
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409049939
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409049953
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409050004
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050026
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
No
|
|
409050035
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050088
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409050090
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409050107
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050116
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050295
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050316
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409050317
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050348
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050351
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050384
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050476
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050523
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050530
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050726
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050728
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409050762
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050818
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409050877
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050889
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409050890
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050891
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050928
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050949
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051068
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051077
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051154
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|